Consumer complaint received 2025-12-25 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:
Type of Complaint : Incorrect information on credit report / Failure to properly investigate disputes / Re-aging and misleading reporting Complaint Narrative I am filing this complaint because Equifax is reporting inaccurate, misleading, and contradictory information on my credit report regarding the following account : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Despite multiple disputes submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Equifax has failed to conduct a lawful reinvestigation and continues to report false, misleading, and re-aged data that harms my creditworthiness. 

Details of Inaccurate Reporting XXXX Account Type Misrepresentation Equifax reports this as an installment account but lists XXXX terms and no payment structure, which is illogical and inaccurate. 
XXXX Conflicting Payment Status Equifax lists the account as Paid / Closed {$0.00} balance, yet simultaneously reports 30 Days Late. 
This is materially impossible and misleading. 
XXXX Contradictory Payment History Two-Year Payment History shows ALL OK, yet the status reflects late payments. 
XXXX Improper Re-Aging & False Updating Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX Equifax is updating an inactive, fully closed account XXXX years later, artificially refreshing derogatory impact. 
XXXX False Dispute Notation Equifax is reporting Consumer disputes after resolution which is false and violates CFPB rules. 
XXXX Missing / Illogical Data {$0.00} payment and XXXX terms can not be listed as installment or delinquent. 
XXXX Failure to Properly Verify Despite repeated disputes, Equifax refused to provide the required Method of Verification and relied on automated systems. 
Law Violations Include FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 607 ( b ) Failure to maintain reasonable accuracy procedures FCRA 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification FCRA 1681c ( a ) ( 4 ) Improper re-aging 1681s-2 ( a ) ( 1 ) ( A ) Furnisher accuracy violations CFPB XXXX XXXX Improper dispute notation Further supported by case law such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX Equifaxs actions are materially misleading, unfair, and damaging. These inaccuracies negatively impact my creditworthiness, ability to obtain financing, credit interest rates, and overall financial stability. 

Requested Resolution I respectfully request the CFPB to require Equifax to : Permanently delete the disputed account Provide written confirmation of deletion Provide full Method of Verification documentation Correct all misleading dispute notations Thank you for your assistance in enforcing federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief