Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously filed a complaint concerning inaccurate items reporting on my credit file, specifically three CITICARDS XXXX accounts. 

Equifax responded to my initial complaint, stating that they " verified that this item belongs to you '' and that " this account has been updated. '' They further indicated that " additional information has been provided from the original source regarding this item '' and that " the following fields have been modified : CLOSED DATE, SCHEDULED PAYMENT, HIGH CREDIT, ADDITIONAL INFORMATION '' ( with variations across the three accounts ).

Despite Equifax 's claim of " verification '' and " modification, '' the core inaccuracies on my credit report have not been adequately addressed or corrected, and in some cases, new errors or omissions persist. Equifax 's response implies that the previously reported information was indeed inaccurate, yet their " fix '' was merely to modify certain fields rather than fully correct or delete the erroneous entries.

The specific errors that remain uncorrected or have been inadequately addressed are as follows : 1. Persistent Inaccuracies and Future Dates ( CITICARDS CBNA Account ending in XXXX ) : Equifax 's report for this account continues to display future dates for critical fields. Specifically, the " Date of Last Activity, '' " Date of 1st Delinquency, '' and " Date of Last Payment '' are all listed as XX/XX/XXXX. As of XX/XX/XXXX, these dates are in the past, but when the report was generated, they were in the future, which is a clear factual impossibility and a severe reporting error. This indicates that the " modifications '' made by Equifax did not correct this fundamental error.

The " Payment History '' section also reflects ongoing delinquency into XXXX, which is directly tied to these erroneous future dates and is therefore inaccurate.

The fields " Term Duration '' and " Date Closed '' remain blank, despite the account being explicitly labeled " Closed. '' This is an omission of material information.

2. Inadequate Correction of " Scheduled Payment '' and " High Credit '' ( All Three XXXX XXXX Accounts ending in XXXX, XXXX, XXXX ) : Equifax explicitly stated that the " Scheduled Payment '' and " High Credit '' fields were " modified. '' This confirms that the information previously reported for these fields was inaccurate. For accounts that are " Closed '' and " Charge Off '' ( as indicated by narrative codes XXXX and XXXX ), the " Scheduled Payment Amount '' should consistently be {$0.00}, as no further payments are scheduled. While it now shows {$0.00}, the fact that it required modification indicates prior misreporting.

The " High Credit '' field was also modified. While this may reflect the highest bal
ance, the modification itself points to an initial inaccuracy that was not fully explained or justified as to why it was wrong in the first place.

3. Missing Information on Closed Accounts ( All Three XXXX XXXXXXXX Accounts ) : For all three accounts, which are clearly marked as " Closed, '' the " Term Duration '' and " Date Closed '' fields are consistently blank. This represents incomplete reporting and makes it difficult to ascertain the full status and history of these accounts. 4. Failure to Delete or Fully Correct Inaccurate Information : Equifax 's response focused on " verification '' and " modification '' rather than deletion or complete correction of the erroneous data. Modifying a field that was initially incorrect does not fully resolve the issue of inaccurate reporting, especially when fundamental errors like future dates persist. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure maximum possible accuracy. Simply " updating '' inaccurate data, particularly when it relates to dates and payment status on closed accounts, falls short of this requirement. I request that the CFPB investigate Equifax 's failure to properly correct these
significant errors after their initial investigation. Equifax violated the Fair Credit Reporting Act by failing to conduct a reasonable reinvestigation ( 1681i ) and failing to ensure maximum possible accuracy ( 1681e ( b ) ). They did not provide verification documentation and continue to report conflicting and harmful information.These inaccuracies are detrimental to my credit profile and are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation