Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX  for reporting inaccurate, inconsistent, and unverifiable information to the nationwide consumer reporting agencies ( CRAs ). Both furnishers have violated multiple sections of the Fair Credit Reporting Act ( FCRA ), FACTA, and 15 U.S.C. 1681, including their duties under 1681s-2 ( a ) and 1681s-2 ( b ).

Despite multiple disputes filed with Experian, TransUnion, and Equifax, the accounts remain incorrect, inconsistent, and incomplete across all XXXX  bureaus. Both companies have either : failed to conduct a reasonable investigation, failed to correct the inaccurate data, or continued furnishing information that conflicts between each bureau, which is a violation of XXXX XXXX reporting guidelines. 

Specific Issues With the Accounts XXXX. XXXX XXXX Reporting different dates, statuses, and payment histories across the bureaus. 

Reporting late payments that are inaccurate, unverifiable, or not consistent across the CRAs. 

Failing to correct errors after multiple disputes. 

Failing to comply with XXXX XXXX reporting requirements that mandate accurate, complete, and consistent data. 

Violating FCRA 1681s-2 ( b ) by failing to update or delete information found to be inaccurate. 

XXXX XXXX XXXX XXXX  Furnishing inconsistent dates of delinquency, last payment, and account status with each bureau. 

Reporting late payments that did not occur, or reporting them inconsistently across bureaus. 

Continuing to furnish incorrect information after disputes were submitted. 

Failing to conduct a proper reinvestigation as required under 1681i. 

Failing to maintain accurate records as required by XXXX XXXX standards. 

FCRA & Federal Law Violations Both XXXX  and XXXX  XXXX are in violation of : FCRA 1681e ( b ) failure to assure maximum possible accuracy FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( a ) reporting information they know or should know is inaccurate FCRA 1681s-2 ( b ) failure to correct and update inaccurate information after disputes FACTA 312 failure to respond properly to disputes involving accuracy and completeness 15 U.S.C. 1681c reporting obsolete or incorrect derogatory information Additionally, the inconsistent data violates XXXX XXXX compliance requirements, which require furnishers to report data : accurately consistently across all bureaus in a format compliant with the CDIA guidelines Both furnishers have failed to meet these standards. 

How This Has Harmed Me Because of these inaccurate and inconsistent reports, I have experienced : Lower credit scores Difficulty obtaining credit Higher interest rates Emotional distress from repeated disputes that were not properly investigated Ongoing misinformation that damages my creditworthiness I have made multiple attempts to resolve this directly through the CRAs and the furnishers, but the information remains incorrect. 

What I Am Requesting Through This Complaint I am requesting that the CFPB require : For both XXXX  and XXXX  XXXX : A full reinvestigation of the disputed information. 

Correction of all inaccurate, incomplete, or inconsistent data across all credit bureaus. 

Removal of all inaccurate late payments and reporting errors. 

Verification documents showing where the data originated.

Compliance with FCRA, FACTA, USC 1681, and XXXX XXXX reporting standards. 

I request the CFPBs assistance in forcing XXXX and XXXX XXXX to finally comply with federal law and correct or delete this inaccurate information.

Company response to consumer: Closed with non-monetary relief