Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
This complaint concerns inaccurate and unverifiable reporting by Equifax, Experian, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), FACTA 605B, and Metro 2 reporting standards.

Despite multiple written disputes sent to all three credit bureaus, inaccurate data remains on my credit files. The continued presence of unverifiable information represents willful and negligent noncompliance with FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). 

XXXX. Inaccurate Account Reporting Accounts in question : REXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Both accounts are being reported inconsistently across the three bureaus, with contradictory payment histories and statuses.

The payment history grids show all months as OK ( on-time ), yet Experian and TransUnion are reporting false 30-day late payments and coding the accounts as negative.

Equifax, in contrast, shows the same accounts as Paid/Closed with no late history.

Under Metro 2 CRRG reporting requirements, it is factually impossible for an account to simultaneously display perfect payment history and also be flagged with derogatory or past-due status.

These errors constitute a failure to : Ensure maximum possible accuracy under FCRA 1681e ( b ) Correct disputed information after reinvestigation under 1681i ( a ) Maintain internal consistency under Metro 2 formatting rules Repeated failure to remove or verify these inaccuracies after multiple disputes demonstrates willful disregard for compliance obligations.

2. Unverified and Incorrect Personal Information The following incorrect identifiers remain on my reports despite prior written disputes : Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These identifiers are not my legal name or address, and I have never resided at the listed addresses. 
I am a documented victim of both the Equifax Data Breach and the XXXX XXXX XXXX XXXX, which further increases the risk of identity theft. 
The continued reporting of false identifiers : Violates FCRA 1681e ( b ) and 1681i ( a ) ( failure to assure maximum possible accuracy and delete unverifiable information ) Violates FACTA 605B, which mandates blocking of identity-theft-related data once disputed Despite explicit written disputes, these inaccuracies have not been deleted or verified with documentation.

3. Failure to Provide Method of Verification All three credit bureaus have failed to : Provide a copy of original documentation ( i.e., signed consumer contract ) as required under FCRA 609 ( a ) ( 1 ) ( A ) Disclose the method of verification under 611 ( a ) ( 7 ) Delete unverifiable information as required under 611 ( 5 ) ( A ) Their responses have consisted of standardized, non-substantive letters claiming verification without supporting evidence, which violates FCRA reinvestigation procedures.

4. Requested Resolution I respectfully request that the CFPB investigate the conduct of Equifax, Experian, and TransUnion for failure to : Maintain accurate consumer credit information Conduct lawful reinvestigations Provide documentation verifying disputed items Specifically, I request : Permanent deletion of the disputed tradelines ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXf verifiable documentation can not be provided. 

XXXX removal of all incorrect personal identifiers ( names and addresses ) from all three credit reports. 

Written confirmation that none of the deleted information will be reinserted without full and verifiable proof. 

Certification of compliance with FCRA and XXXX XXXX CRRG reporting standards. 

Supporting Documentation XXXX of written dispute letters to Equifax, Experian, and TransUnion dated XX/XX/year>. 

Screenshots/tables showing inconsistent account status and payment history data for XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Proof of prior breaches and personal information compromise. 

Conclusion The ongoing reporting of false and unverifiable data across all three credit bureaus has caused emotional distress, reputational harm, and financial damage. 
I have exhausted all direct dispute options and am therefore escalating this to the Consumer Financial Protection Bureau for enforcement of my rights under FCRA 616 & 617.

Company response to consumer: Closed with non-monetary relief