Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am submitting this complaint due to egregious and persistent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and a flagrant disregard for XXXX XXXX compliance guidelines by both the data furnisher ( XXXX XXXX Bank ) and the consumer reporting agency ( Equifax ). The account in question a XXXX XXXX Bank revolving credit tradeline was previously disputed multiple times on the grounds of inaccurate, outdated, and unverifiable derogatory data. Despite several investigations and my continual requests for full verification and documentation, the payment history associated with this account was materially altered after previous dispute outcomes had already been rendered a clear violation of FCRA 1681i ( a ) ( 5 ) ( A ) ( ii ) and an indicator of noncompliance with e-Oscar reinvestigation standards. 

Originally, the reporting reflected a XXXX late status ending in XX/XX/2024. However, the data was arbitrarily modified without new evidence or consumer notification to reflect a charge-off status, along with newly inserted XXXX, XXXX, XXXX, and XXXX late payments across several months. These retroactive changes are not only misleading and injurious to my consumer profile but also constitute furnishing of knowingly inaccurate information in direct contravention of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, the failure to conduct a reasonable and independent reinvestigation, as mandated by FCRA 1681i ( a ) ( 1 ) ( A ), is self-evident through the pattern of duplicative verbiage in the results letter ( s ), the absence of documentary evidence from the furnisher, and the continued reliance on automated data parroting systems. At no point did I receive a complete billing history, signed agreement, or itemized ledger that substantiates the new negative reporting. I have been left with irreparable harm to my credit profile due to what appears to be willful negligence, lack of procedural fairness, and absence of regulatory oversight. 

Additionally, these modifications appear to have bypassed proper data integrity thresholds defined under XXXX XXXX format specifications, particularly the improper placement of XXXX in conjunction with an unresolved or disputed status, and the illogical time progression of delinquency ( i.e., reverting a Current status back to 30 Days Late ). These discrepancies suggest either manual tampering or systemic flaws in their data handling infrastructure. 

In conclusion, I am requesting a full investigation into these violations, including whether any FCRA or XXXX XXXX policies were intentionally subverted, and whether this constitutes a pattern of reckless disregard for consumer protection statutes under FCRA 1681n. The repeated disregard for dispute history, the unverified derogatory data, and the failure to remedy prior unlawful reporting are collectively unacceptable and warrant both enforcement scrutiny and immediate corrective action.

Company response to consumer: Closed with non-monetary relief