Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
This CFPB complaint is a renewed escalation based on the most recent dispute letters and the documented outcomes of the prior CFPB complaints. The prior complaints did not resolve the underlying violations. Instead they confirmed a pattern of partial acknowledgments selective deletions and continued reliance on unverifiable and contradictory data. 

The credit bureaus were placed on repeated clear notice that my personal data was compromised in the Equifax data breach and that XXXX XXXX XXXX sources were also impacted. Despite this known contamination risk the bureaus continued to rely on polluted matching logic to verify accounts personal identifiers and collection data. That decision alone undermines the credibility of every verification performed. 

In their CFPB responses Equifax Experian and TransUnion admitted to removing certain personal identifiers such as names addresses and employment information while simultaneously verifying major derogatory accounts as accurate. This position is internally inconsistent and legally indefensible. If the underlying file contained inaccurate identity data serious enough to warrant deletion then any account tied to that same file can not be reasonably verified. 

Multiple accounts including XXXX XXXX XXXX XXXX and XXXX XXXX continue to be reported with materially conflicting Metro2 data across bureaus. Core fields such as dates opened dates last active dates of last payment high credit credit limit balances past due amounts delinquency histories and charge off indicators do not match. Some bureaus report XXXX months terms while simultaneously reporting long term delinquency. Others report different repossession narratives and profit and loss write offs for the same account. These contradictions violate Metro2 logic rules and render the data unreliable by definition. 

Despite detailed dispute letters that identified these inconsistencies line by line the bureaus relied on automated furnisher confirmations and generic form responses. No original signed contracts no full account level transaction histories no billing statements and no reconciliation of cross bureau discrepancies were produced. Accepting contradictory responses as verified does not meet the standard of a reasonable reinvestigation.

In addition the bureaus failed to provide lawful reinsertion notices for accounts and data that were previously deleted and later reappeared. Federal law requires written notice within five business days before reinsertion. No such notices were provided. This alone constitutes an independent violation. 

The continued reporting of these derogatory accounts has caused ongoing and measurable harm. Collections and charge offs are among the most heavily weighted factors in FICO scoring. The inaccurate reporting has suppressed my scores increased borrowing costs limited access to credit and caused significant stress and disruption to my financial life. I have acted in good faith at every stage. The credit bureaus have repeatedly failed to meet their legal obligations.

Company response to consumer: Closed with non-monetary relief