Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am escalating my complaint against XXXXXXXX XXXX XXXX  and Equifax for materially inaccurate, conflicting, and unverifiable reporting of the same auto loan account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXXXXXX, and controlling federal case law. 

The Core Issue : XXXX has reported wildly inconsistent payment histories across all three credit bureaus for the exact same account, which was paid off and closed on XX/XX/XXXX : XXXX  XXXX XXXX XXXX lates and XXXX XXXX lates, and incorrectly labels the account as 90 days late despite the payment calendar showing XXXX XXXX lates. 

XXXX  XXXX only XXXX late payments for the same period, with multiple on-time months that XXXX marks late. 

Equifax While data has not yet been produced in this complaint, it must be included because the same tainted XXXX furnishings were sent to them. Any lates reported by Equifax must be deleted for the same reason : the data is internally contradictory and therefore unreliable. 

XXXX bureaus, XXXX different realities, XXXX account. This is not a dispute with the creditor this is a dispute about your own internal conflicts that make the data unverifiable under federal law. 

Violations Committed : FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) Furnishers may not report information they know or should know is inaccurate.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ) CRAs must conduct a reasonable reinvestigation when a dispute is filed. Conflicting results prove that did not occur.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to assure maximum possible accuracy. Contradictory bureau reporting is the opposite of maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with potential treble damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX Failure to correct known errors after dispute is a breach of my consumer rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Bureaus must go beyond parroting furnishers. This did not happen. 

Pattern of Misconduct : XXXX has a documented history of abusive credit reporting : XXXX CFPB Enforcement Action {$8.00} XXXX fine for harassing debt collection tactics and inaccurate credit reporting to all three CRAs, with mandated reforms that clearly have not been honored. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Alleged FCRA violations for reporting inaccurate balances and failing to investigate disputes. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Allegations of improper credit reporting, FDCPA violations, and unfair trade practices. 

This is not an isolated case it is part of a long-term pattern of disregarding federal law. 

XXXX Latest Response : Instead of answering the dispute, providing the Method of Verification ( MOV ), or explaining how XXXX agencies came to XXXX different conclusions, XXXX sent a form letter dated XX/XX/XXXX, saying they will consider the matter closed if I do not call them by XX/XX/XXXX. They refused to address the core issues in writing, citing privacy concerns, despite the fact that written responses are the legally recognized method for resolving FCRA disputes. 

This is a stall tactic designed to avoid creating a paper trail that could be used against them. It is also an attempt to circumvent FCRA requirements for written dispute resolution and avoid accountability.

Requested Resolution : Immediate deletion of all late payments related to this XXXX account from XXXX XXXX and Equifax. 

Provision of the complete Method of Verification ( MOV ) for each bureau under FCRA 611 ( a ) ( 7 ), including the exact documents relied upon.

Full chain-of-custody audit showing when and how the data was furnished to each bureau, and how it was verified. 

Written documentation only No phone calls. All responses must be in writing to create a verifiable record for regulators and legal proceedings. 

Correction of the tradeline to Paid/Closed Never Late or permanent deletion if reliable verification is not possible. 

This dispute is not about calling to discuss. It is about your ongoing reporting of internally contradictory and unverifiable derogatory marks, in direct violation of FCRA, NC law, and multiple federal court rulings. XXXX  refusal to provide a written paper trail only reinforces the inference that they can not legally substantiate the reporting.

Company response to consumer: Closed with non-monetary relief