Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint due to multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and Metro-2 reporting standards by Experian, TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and other furnishers reporting on my file. 

Despite multiple disputes, the companies continue to report false, inaccurate, incomplete, inconsistent, and unverifiable information, which is directly harming my credit score and financial opportunities. These entities have failed to comply with : FCRA 602 ( a ) Failure to ensure fairness, accuracy, and nondiscriminatory reporting.

FCRA 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Failure to provide verification/validation of disputed items.

FCRA 611 ( a ) Failure to conduct a lawful reinvestigation within the required XXXX window. 
FCRA 611 ( a ) ( 7 ) Failure to provide the method of verification.

FACTA Failure to update information accurately and monthly.

Metro-2 Inaccurate reporting of dates, statuses, payment history, and monthly updates. 

Specific Issues : XXXX. Experian and TransUnion are reporting significantly lower credit scores compared to Equifax, even though the same information should be reported to all bureaus. 
Experian : XXXX  TransUnion : XXXX  Equifax : XXXX  ( accurate file ) This score disparity is proof of inconsistent, inaccurate, or unverifiable reporting. 
XXXX. XXXX XXXX XXXX  is reporting incorrect late payments, incorrect utilization, and inconsistent information across the bureaus. These items are inaccurate, unverifiable, and must be deleted. 
XXXX. XXXX XXXX  is reporting false payment information and unverifiable data. 
XXXX. XXXX XXXX XXXX XXXX XXXX is reporting inaccurate dates, incomplete monthly updates, and unverifiable information. 
XXXX. Several closed accounts are being reported with incorrect statuses, re-aged dates, or false delinquencies, which is illegal. 

Positive Accounts Proving Creditworthiness : I maintain multiple high-limit, positive, open accounts, including : XXXX ( {$25000.00} and {$16000.00} limits ) XXXX XXXX  XXXX {$16000.00} limit ) XXXX XXXX XXXX XXXX {$17000.00} limit ) XXXX XXXX XXXX {$40000.00} limit ) XXXX XXXX XXXX {$4700.00} limit ) These positive accounts clearly contradict the derogatory reporting and further demonstrate the inaccuracies. 

Requested Action from CFPB : I am requesting the CFPB to intervene and require the companies to : XXXX. DELETE all inaccurate, unverifiable, or inconsistent information from my credit files. 
XXXX. Correct and synchronize Experian and TransUnion to match the accurate Equifax profile ( XXXX score ). 
XXXX. Provide documentation proving verification, not automated e-Oscar results. 
XXXX. Enforce all furnisher obligations under FCRA, FACTA, and Metro-2. 

This ongoing harm has resulted in significant financial loss, credit denials, and emotional distress. I am seeking full corrective action and regulatory enforcement.

Company response to consumer: Closed with explanation