Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and inconsistent information being reported on my credit file by Experian, TransUnion, and Equifax. I have identified multiple accounts in which the late payment history, account names, payment dates, and personal details differ significantly between the three credit reporting agencies. These discrepancies are harming my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ).

While I have previously filed disputes directly with Experian, they failed to correct or remove the inaccurate information. I find this deeply concerning, especially in light of the CFPB 's current legal action against Experian for violating consumer protection laws and failing to properly respond to dispute investigations.

As for Equifax, I am submitting this dispute directly to the CFPB because the Equifax online portal has been unavailable, preventing me from creating or logging into an account to file this dispute through their system.

Below is a summary of the inaccurate and inconsistent reporting across the three agencies : XXXX ( Student Loan ) Late payment dates are inconsistent across Experian, TransUnion, and Equifax. 
Department of Education ( Student Loan ) Late payment dates differ across all three bureaus. 
XXXX XXXX Late payment dates are not aligned across agencies. 
TransUnion does not list the account at all. 
XXXX XXXX  Different creditor names used across bureaus. 
Number and timing of late payments are inconsistent. 
XXXX XXXX  Last payment date on Equifax does not match Experian or TransUnion. 
Account name differs across agencies. 
XXXX TransUnion lacks full payment history. 
Equifax shows 11 missed payments, Experian shows 12. 
Last payment dates do not match. 
XXXX XXXX  ( Additional Account ) Inconsistent account names. 
Only Experian lists XXXX for XXXX. 
Equifax reports a different last payment date than Experian and TransUnion. 
XXXX ( XXXX XXXX  ) Exceptional payment history shown by TransUnion and Equifax. 
Experian inaccurately reports late payments. 
Personal Address Information All three bureaus report incorrect addresses. 
The only accurate addresses are : XXXX, GA, XXXX, IN, and XXXX, IN. 

Violations of the Fair Credit Reporting Act ( FCRA ) : These errors represent violations of key FCRA provisions : 602 ( A ) Credit reporting must be fair, equitable, and respect consumer privacy.

607 ( B ) Bureaus must follow reasonable procedures to assure maximum possible accuracy.

611 Upon notice of dispute, agencies must conduct a reasonable investigation and correct or delete any information that can not be verified.

609 Consumers are entitled to disclosure of all information in their file, including its sources.

Failure to correct repeated disputes violates the FCRAs requirement for timely and effective dispute resolution.

The Metro 2 Format, created by the Consumer Data Industry Association ( CDIA ), ensures that all data furnishers report accurate, consistent, and complete information to all CRAs. Inconsistent reporting violates Metro 2 guidelines by : Reporting different statuses or dates for the same account across CRAs Failing to keep data synchronized with all three bureaus Using inconsistent naming conventions for the same account ( e.g., XXXX XXXX, XXXX XXXX ) Failing to update accounts regularly or accurately reflect the current standing Reporting different numbers of late payments for the same tradeline These failures reduce the integrity of credit data, causing unjust harm to consumers.

Company response to consumer: Closed with non-monetary relief