Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
This complaint is being filed due to repeated failures by Equifax, Experian, and TransUnion to conduct lawful and complete reinvestigations under the Fair Credit Reporting Act ( FCRA ) Section 611, and due to continued reporting of two materially inaccurate and unverifiable accounts : XXXX XXXX ( Account ending XXXX ) XXXX  ( Account ending XXXX ) Despite multiple direct disputes and attached documentation, all three credit bureaus have verified these accounts without providing any tangible evidence, billing statements, or signed contracts confirming the alleged delinquencies. This has caused severe and ongoing harm to my XXXX profile and financial stability. 

XXXX. Violations of FCRA XXXX ( b ) Failure to Maintain Accuracy Each bureau continues to report contradictory and inconsistent information between XXXX another : XXXX XXXX : Equifax lists the account as Paid, Experian as Paid, and TransUnion as Closed, all with a XXXX balance. 

Yet all three simultaneously show XXXX, XXXX, and XXXX late payments. 

It is factually impossible for an account that has been paid and closed with a XXXX balance to carry active delinquencies. 

This violates FCRA 15 USC 1681e ( b ) and XXXX Section 2.2.3, which prohibit contradictory or obsolete data reporting. 

XXXX : The account is simultaneously reported as Charged Off, Paid, and Closed, depending on the bureau. 

Equifax shows OK payment history through 2025, while Experian shows random late codes and TransUnion lists a charge-off. 

No verifiable delinquency history or creditor-issued documentation has been provided. 

These inconsistencies show a systemic failure to uphold the maximum possible accuracy standard required by law. 

2. Violations of FCRA 1681i Failure to Reinvestigate Each bureau issued a verified result despite being provided detailed evidence of reporting contradictions, without supplying any legally verifiable proof of accuracy such as : Original signed credit agreements Itemized payment ledgers Consumer billing notices as required under TILA 1666 ( b ) All disputes were processed through automated e-Oscar verification, which fails to satisfy the FCRAs reinvestigation requirement under Section 611 ( a ) ( 1 ) ( A ). This constitutes a procedural violation and denial of the consumers right to a good-faith manual investigation.

3. Violations of FCRA 1681s-2 ( b ) Furnisher Noncompliance The furnishers ( XXXX XXXX and XXXX XXXX have failed to : Investigate disputes received from the credit bureaus in a reasonable manner Correct or delete inaccurate information they can not verify Provide evidence of permissible purpose or consumer consent for continued reporting Under 1681s-2 ( b ), their failure to provide factual verification within 30 days constitutes willful noncompliance. Continuing to report unverifiable derogatories after a dispute is legally considered reckless disregard of the law, per FCRA 1681n.

4. Data Security and Consumer Harm Equifaxs prior data breach settlement, which confirmed exposure of personal identifying information, raises serious concerns regarding their continued retention and use of my data. Given that Equifax confirmed my data was impacted by the breach, their refusal to correct unverifiable reporting further compounds their negligence and privacy violations. 

XXXX. Impact on Creditworthiness and Emotional Distress These reporting errors have resulted in lowered FICO scores, denial of new credit opportunities, and emotional distress due to persistent misrepresentation of my payment behavior. The continued verified results without lawful evidence have eroded trust in the integrity of the credit reporting process. 

Requested Resolution I respectfully request the CFPBs direct intervention to enforce compliance with the Fair Credit Reporting Act and XXXX reporting standards. Specifically : Immediate deletion of the following unverifiable accounts from all consumer reporting databases : XXXX XXXX Account ending XXXX XXXX Account ending XXXX Confirmation that each CRA has conducted a manual reinvestigation and obtained verifiable proof from the furnishers before certifying any data as accurate. 

Referral of this matter to the Federal Trade Commission and New York State Attorney General for further enforcement, if necessary. 

Legal Summary FCRA 1681e ( b ) : Inaccurate and inconsistent data reporting FCRA 1681i ( a ) : Failure to conduct a lawful reinvestigation FCRA 1681s-2 ( b ) : Furnisher failure to verify or correct data FCRA 1681n & 1681o : Willful and negligent noncompliance TILA 1666 ( b ) : Lack of consumer billing notice before alleging delinquency XXXX Section 2.2.3 : Prohibition of contradictory or obsolete data Recommendation Proceed with CFPB escalation and deletion demand, not remark correction. 
Both XXXX XXXX and XXXX display structural XXXX and FCRA violations, meaning partial updates ( such as Pays as agreed ) will not resolve the compliance breach. 
Deletion is the only corrective action that satisfies 15 USC 1681i ( a ) ( 5 ) ( A ) and preserves the consumers right to accurate reporting.

Company response to consumer: Closed with non-monetary relief