Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint due to the continued reporting of inaccurate, inconsistent, and unverifiable information by multiple furnishers and consumer reporting agencies, despite repeated disputes. These failures constitute violations of the Fair Credit Reporting Act ( FCRA ), including the duty to maintain maximum possible accuracy and to conduct reasonable reinvestigations. 

XXXX XXXX Account # XXXX This mortgage account is being reported in a materially inaccurate and contradictory manner across the credit bureaus. While all bureaus list the account as closed with a {$0.00} balance and {$0.00} past due, Equifax reports the account as positive while Experian and TransUnion report it as negative. Additionally, the account reflects conflicting high credit amounts ( {$0.00} versus {$160000.00} ), inconsistent dates of activity, and contradictory comments such as account transferred, debt included in discharged bankruptcy, and XXXX XXXX wage earner plan. 

No bureau has produced a complete mortgage payment ledger, transfer documentation, or legally sufficient verification explaining how derogatory history can exist on a closed account with no balance. This inter-bureau inconsistency and lack of documentation demonstrates a failure to ensure maximum possible accuracy and a failure to conduct a reasonable reinvestigation. 

XXXX XXXX XXXX XXXX  Account # XXXX This account is inaccurately reported with derogatory information that does not align with the accounts actual status, balance, and contractual obligations. The tradeline contains inconsistent reporting across bureaus and lacks proper documentation to substantiate the alleged negative status. No signed contract, full payment history, or Metro 2 source documentation has been provided to validate the reporting. Continued reporting without verification is misleading and unlawful under the FCRA. 

XXXX Accounts # XXXX and # XXXX Both XXXX student loan accounts are being reported inaccurately and inconsistently across the credit bureaus. Experian has already deleted these tradelines, confirming that the information could not be verified as accurate or complete. Despite this, Equifax and TransUnion continue to report the accounts with negative notations, including wage earner plan references, Chapter 13 remarks, and derogatory payment history. 

No consumer reporting agency has produced promissory notes, complete loan payment ledgers, servicing histories, or documentation establishing a valid surviving legal obligation after bankruptcy. Continued reporting after deletion by another nationwide bureau, without new independently verifiable evidence, constitutes unreasonable reinvestigation and willful noncompliance. 

XXXX  XXXX Account # XXXX This credit card account is reported as a charge-off with a balance while simultaneously showing inconsistent delinquency histories, contradictory dates of activity, and varying payment histories across bureaus. The account was previously disputed and marked resolved, yet no meaningful correction occurred. No cardholder agreement, billing statements, or charge-off calculations have been produced to substantiate the amount reported. Verification based solely on furnisher confirmation does not satisfy FCRA requirements. 

XXXX XXXX XXXX XXXX Account ending in XXXX This account is reported only by TransUnion, while Equifax and Experian do not report it at all. TransUnion lists the account as a collection/charge-off while simultaneously reflecting a {$0.00} balance, {$0.00} past due, and a paid status, which is internally contradictory. TransUnions own comments confirm payment after charge-off, yet the derogatory status remains. No documentation has been provided to support continued negative reporting, making this tradeline inaccurate and unverifiable. 

UNAUTHORIZED INQUIRY XXXX  BANK ( XX/XX/year> ) There is a hard inquiry from XXXX Bank dated XX/XX/year> that I did not authorize. I did not submit an application or provide written or electronic consent for my credit report to be accessed. No permissible purpose has been established as required under FCRA 604, and no documentation has been produced to justify this inquiry. 

CONSUMER HARM These reporting failures have caused significant damage to my credit profile, reduced my creditworthiness, and interfered with my ability to obtain fair and accurate credit decisions. The repeated use of automated or conclusory verification responses demonstrates systemic noncompliance

Company response to consumer: Closed with non-monetary relief