Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Correspondence Complaint for Non compliance of FCRA law for letter sent from Equifax on XX/XX/XXXX that constitutes a negligent violation of FCRA 1681e ( b ) and has caused demonstrable harm. Immediate action is required. This lack of proper verification is a direct violation of FCRA 1681s-2 ( b ) and 1681i ( a ). Violates Metro 2 guidelines, FCRA 1681s-2 ( b ), and 616. The discrepancies highlights a failure to conduct a reasonable investigation, directly violating FCRA 1681i ( a ) ( 5 ). Failure to follow laws for FTC report, affidavit, law enforcement signed report previously submitted multiple times. 


XXXX. XXXX XXXX Verified Despite Identity Theft This account was verified by Equifax despite being included in my FTC Identity Theft Report and CFPB Complaint ( XXXX  ). Equifax failed to provide proof of a legally binding agreement, chain of custody, or any original documentation to support the accuracy of the data. This lack of proper verification is a direct violation of FCRA 1681s-2 ( b ) and 1681i ( a ). This account must be permanently deleted immediately for failure to meet legal and procedural compliance. 
Further discrepancies with the XXXXXXXX XXXX account are evident from Equifax own reporting documents : - Equifax stated that the account was verified as accurate despite multiple data modifications, including closed date, last payment, and account historyviolating FCRA 1681i ( a ) ( 5 ) ( A ).

- The account is listed as a Revolving credit type and marked Charged Off which is inconsistent with the installment structure of XXXXXXXX XXXX XXXX indicating misclassification. 
- Although closed on XX/XX/XXXX, the account was updated on XXXX illegal re-aging practices that prolong derogatory reporting, in violation of FCRA 605 ( c ). 
- Payment history is incomplete, missing month-by-month codes, while reporting multiple levels of delinquency ( XXXX days past due ), violating FCRA 1681e ( b ) and Metro 2 accuracy standards. 
These conflicts confirm that the reinvestigation was improper, and this account should be immediately removed from my credit profile under federal law. 


XXXX. XXXX XXXX XXXX XXXX XXXX This repossession account is only reporting on Equifax. It was included in my FTC Identity Theft Report ( XXXX XXXX ), CFPB complaint, and signed affidavit. Despite this, Equifax verified it without providing any chain of custody or assignment. It has prevented me from obtaining a vehicle for years and continues to cause undue harm. This violates Metro 2 guidelines, FCRA 1681s-2 ( b ), and 616.This account was included in my FTC Identity Theft Report and CFPB Complaint. 
Despite this, Equifax verified the account as accurate and modified fields such as terms duration and closed date without proper documentation. The account is marked as a XXXX XXXX while also showing a {$0.00} balance and closed status. It also appears as in repossession on Equifax and XXXX XXXXcreating a contradiction in status. This erroneous reporting has prevented me from getting a vehicle for years. 

I am demanding that Equifax either : 1 ) Correct the status of this account to Paid and permanently remove the XXXX notation or deletion Your continued inaccurate reporting constitutes a negligent violation of FCRA 1681e ( b ) and has caused demonstrable harm.

3. Contradictory Verification Response Equifax returned a letter verifying an account as open, yet their own credit report lists the account as closed. This discrepancy highlights a failure to conduct a reasonable investigation, directly violating FCRA 1681i ( a ) ( 5 ). 

XXXX. XXXX XXXX XXXX Deleted Elsewhere, Ignored by Equifax XXXX XXXX was deleted from my XXXX XXXX XXXX  reports, but Equifax failed to act. This selective enforcement and inconsistent reporting demonstrates willful noncompliance. It must be removed under FCRA 1681i and 1681e ( b ). XXXX XXXX was deleted from my XXXX XXXX XXXX reports, yet Equifax has failed to remove it. More concerning, this account was completely omitted from Equifax mailed dispute response. This proves an improper reinvestigation process and violates FCRA 1681i ( a ), which requires that disputed information be fully addressed. Despite being flagged as derogatory, the account was not acknowledged in the outcome letter and remains actively harming my credit profile. 

XXXX. XXXX XXXX XXXX XXXX XXXX Reassigned and Re-aged Debt After I disputed the original XXXX account, it was sold to XXXX XXXX who is now pursuing the same debt. This is an unlawful attempt at duplicate collection and re-aging. 
Both XXXX and XXXX must be removed per FCRA 623 and FDCPA 807.

6. Final Demand I demand deletion of all disputed accounts w
ithin four ( 4 ) days. Your continued failure to properly investigate, correct, and suppress fraudulent and inaccurate reporting will result in additional legal action and complaints to the CFPB, FTC, and state consumer agencies.

You are hereby on notice for FCRA 616 and 617 violations. 
Further supporting evidence from XXXX XXXX and Equifax documents confirms multiple reporting discrepancies on this account : - Equifax reported the account as verified as accurate, yet the account shows a status of closed and {$0.00} balance. 
- XXXX XXXX lists the account as both paid repossession and still in repossession status, reflecting unresolved contradiction. 
- The account shows 50 % on-time payment history yet only reflects a XXXX loan termimplying fraudulent or manipulated reporting. 
- The account was opened on XX/XX/XXXX, closed XX/XX/XXXX, but reappeared in my XX/XX/XXXX report with modified fields including terms duration and closed date without notice. 
These conflicting data points clearly show Equifax has failed to meet reasonable investigation standards required by FCRA 1681i ( a ). The account must be deleted immediately to comply with FCRA, FDCPA, and Metro 2 guidelines.

Additional discrepancies include : - The Self account was verified as accurate, but XXXX XXXX and Equifax display it as CLOSED with a {$0.00} balance, while also marking it as in dispute and reporting derogatory remarks such as In Repossession. 
- It shows 50 % of payments made for an account that reportedly only had a XXXX term. 
- It was opened on XX/XX/XXXX, but still appears on reports dated XX/XX/XXXX, despite being closed in XX/XX/XXXX. 
- These contradictions indicate improper reinvestigation procedures, incorrect status updates, and potential re-aging of derogatory data. 
The continued reporting of these inconsistencies, despite identity theft claims and supporting documentation, violates FCRA 1681s-2 ( b ), 1681i ( a ), and Metro 2 compliance requirements. 
Equifax failed to include XXXX XXXX in the response letter sent to me, which demonstrates an improper and incomplete reinvestigation. This account was never acknowledged in their dispute results, yet it remains on my credit report as a derogatory item. This contradicts the Fair Credit Reporting Act, which requires consumer reporting agencies to investigate all disputed information and provide full written disclosure of their findings ( FCRA 1681i ( a ) ). 
- The absence of XXXX XXXX in their response while continuing to report it as a negative item is a willful act of neglect. 
- My XXXX XXXX report still shows this as a derogatory account. 
- This omission reflects non-compliance with FCRA and Metro 2 standards, and the account must be removed immediately due to improper investigation.

I am demanding that Equifax either : 1 ) Correct the status of this account to Paid ; and permanently remove the Repossession notation, or 2 ) Delete the account entirely from my credit file due to the irreconcilable reporting inconsistencies. 
Your erroneous reporting has directly impacted my ability to secure reliable transportation for years. This constitutes a negligent violation of FCRA 1681e ( b ) and has caused demonstrable harm. Immediate action is required.

Company response to consumer: Closed with explanation