Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am filing this complaint due to ongoing inaccurate reporting willful noncompliance and failure to conduct lawful reinvestigations by the credit bureaus after repeated disputes and clear notice. I have formally disputed multiple accounts inquiries and personal identification data errors multiple times. Despite this the bureaus continued to verify and publish information that is internally contradictory incomplete and not supported by original source documentation. 

I was directly impacted by the Equifax data breach which compromised my personal information and significantly increased the duty of care required when handling my credit file. Instead of applying heightened verification standards the bureaus relied on automated systems and furnisher assertions while continuing to report data that is clearly inaccurate and misleading. This has caused ongoing financial harm stress and obstruction of my ability to obtain fair credit decisions. 

The following negative items remain inaccurately reported despite prior disputes XXXX  unsecured loan This account is reported as paid with a XXXX balance while simultaneously showing thirty and sixty day late payments. A paid account can not legally carry rolling delinquency. The dates payment status and reporting logic contradict each other proving the account can not be verified accurately. 

XXXX installment account This account is reported as paid and closed with a XXXX balance yet continues to show late payment history. Reporting delinquency on a paid closed installment account violates Metro 2 standards and demonstrates willful mishandling after notice. 

XXXX XXXX account This collection is reported with delinquency buckets and payment history which collection accounts are not permitted to carry. The original creditor details are missing and the dates and balances are inconsistent making the account unverifiable and unlawfully reported. 

XXXX  XXXX charge off accounts These accounts are reported as charged off while continuing to reflect ongoing late payments and delinquency after the final charge off status. The reporting across bureaus conflicts on dates balances limits and payment history proving the information lacks maximum possible accuracy. 

Unauthorized credit inquiries Multiple inquiries were reported without my authorization and without proof of permissible purpose. The bureaus failed to provide any documentation showing written consent yet continue to report these inquiries in violation of federal law. 

Incorrect personal identification data Inaccurate name variations and outdated personal identifiers remain on my credit file increasing the risk of mixed or misattributed credit data especially following the Equifax data breach. 

Despite repeated disputes the bureaus failed to correct or delete these items and instead issued automated verified responses without meaningful investigation. This pattern shows willful noncompliance with federal law and disregard for data integrity obligations.

Company response to consumer: Closed with non-monetary relief