Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
Im filing this complaint because two furnishers XXXX XXXX XXXX and XXXX XXXX XXXX have continued reporting inaccurate and unverifiable information to all three major credit bureaus ( TransUnion, Experian, and Equifax ) even after I disputed these accounts directly with them under FCRA 623 ( a ) ( 8 ).

I followed the proper process by contacting each furnisher directly, providing documentation, and asking them to validate and correct the reported information. Instead of conducting a proper investigation or providing valid proof ( like a signed contract or full payment history ), they either didnt respond at all, sent generic letters or billing summaries, or simply kept furnishing the same inaccurate data.

These actions violate FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ) because the furnishers are continuing to report information that is inaccurate, inconsistent, and unverified. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported to : TransUnion, Experian, and Equifax Issues Found Across All 3 Bureaus : Account is reported as charged off, yet still shows a balance of {$1100.00}. 

Different high balances across bureaus ( XXXX : {$37000.00} vs. XXXX  : {$9900.00} ). 

Dates are inconsistent Date of Last Activity and Date Reported vary widely : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Payment history shows late payments after the account was supposedly charged off this is not compliant with Metro 2 standards. 

Charged off accounts should not continue to update monthly or show new delinquencies. 

Account status coding conflicts with payment status ( listed as closed, derogatory, and collection/chargeoff at the same time ). 

These conflicting and false updates are seriously harming my credit. I disputed the account directly with XXXX and they only sent back a generic billing summary, not real validation. The account continues to report the same false information. 

XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX Reported to : TransUnion, Experian , and Equifax Issues Found Across All 3 Bureaus : The account is reported as both open and closed, depending on the bureau. 

Equifax lists it as open and 120 days late, while TransUnion and Experian report it as charged off or resolved. 

Dates dont line up : Date Opened ( XX/XX/XXXX ) doesnt make sense with Date of Last Activity and Date Reported ( XX/XX/XXXX ). 

Still showing a balance of {$410.00} despite the lack of verification or ownership documentation. 

The furnisher is reporting Dispute resolved consumer disagrees, even though the dispute was never properly validated or resolved, violating FCRA 623 ( a ) ( 3 ).

Metro 2 violations : Account status codes conflict ( cant be open and collection/chargeoff simultaneously ). The Date of Account Information was not updated after the dispute. 

I requested proper validation from XXXX ( original contract, payment history, and proof of ownership ), but they have not provided any real evidence that this debt is legitimate or theirs to report. 

XXXX. Violations and Harm Both XXXX and Portfolio have knowingly continued to furnish false, outdated, and unverifiable information after being directly notified of the dispute. This violates the Fair Credit Reporting Act ( FCRA ) particularly 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ) and Metro 2 reporting standards, which require furnishers to report only accurate and current data.

Their refusal to correct or delete inaccurate data has caused measurable harm to my creditworthiness and overall credit standing. These inaccurate entries continue to appear on all three of my credit reports and are preventing me from accessing fair credit opportunities.

Company response to consumer: Closed with non-monetary relief