Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
I am filing this complaint regarding the inaccurate, incomplete, and inconsistent information being reported on my consumer credit reports under account XXXX XXXX XXXX  # XXXX. This complaint addresses violations of the Fair Credit Reporting Act ( FCRA ) by both XXXX  XXXX  XXXX  and the consumer reporting agenciesXXXX, Equifax, and XXXX. 

In XXXX XXXX, I submitted written disputes to XXXX, Equifax, and XXXX regarding the inaccuracies in the reporting of the account mentioned above. Specifically, the information furnished by XXXX XXXX XXXX and reported in the payment history section was inconsistent, incomplete, and contradictory across all three credit reports. 

As part of my disputes, I requested that each consumer reporting agency ( CRA ) verify the account with the furnisher, XXXX XXXX XXXX  and provide direct verification of the account to me, as required under FCRA Sections 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ).

I also contacted XXXX  XXXX  XXXX  directly on XXXX XXXX, XXXX, after receiving responses from the CRAs stating that the information furnished by XXXX XXXX XXXX had been verified as accurate. In my letter to XXXX XXXX XXXX, I provided copies of my consumer credit reports with clear highlights of the inaccurate and conflicting information being furnished to the CRAs. 

Despite my efforts, XXXX XXXX XXXX responded that my dispute was frivolous and refused to investigate further. To this day, they continue to furnish inaccurate information to the CRAs, resulting in ongoing violations of my rights under the FCRA. 
Specific Inconsistencies in Reporting : XXXX. **XXXX  Report** : - Payment History : Shows " XXXX  days past due as of XXXX XXXX  '' but no further delinquency information or detailed payment history. 
- Status : Marked as " Discharged through Bankruptcy XXXXXXXX XXXX  '' with the status updated in XXXX XXXX. 
- Balance and Terms : No balance updates, recent payment history, or clear terms, making the report incomplete. 

XXXX. **Equifax Report** : - Payment History : Reflects escalating delinquencies, including 30 days past due in XXXX XXXX, progressing to " Charge-Off '' ( CO ) in XXXX. 
- Status : " Included in Bankruptcy, '' but missing critical details such as payment amounts and updates for XXXXXXXXXXXX.

- Account Type : Listed as " Installment, '' but terms and payment progression are incomplete.

XXXX. XXXX Report** : - Payment History : Indicates payments were " OK '' until XX/XX/XXXXXXXX  but inconsistently shows delinquencies ( " XXXX  '' ) starting in XX/XX/XXXXXXXX  through XXXX. 
- Status : Marked as " Included in Bankruptcy XXXX XXXX, '' but the timeline and details differ from XXXX and Equifax reports. 
- Remarks : States the account was " previously in dispute-now resolved, '' despite unresolved inaccuracies across all CRAs. 

Violations of the FCRA : The inconsistencies and lack of proper investigation constitute violations of the FCRA, including : 1. **Failure to Conduct a Reasonable Investigation** ( FCRA Section 623 ( b ) ) : XXXX XXXX XXXX failed to investigate and verify the accuracy of the information they are furnishing.

2. **Obligation to Provide Accurate Information** ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) : XXXX XXXX XXXX continues to furnish inaccurate, incomplete, and contradictory information to the CRAs.

3. **Failure to Mark the Account as Disputed** ( FCRA Section 623 ( a ) ( 3 ) ) : XXXX XXXX XXXX failed to indicate to the CRAs that the account is in dispute.

XXXX. **Failure of CRAs to Verify Information Properly** ( FCRA Sections 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ) ) : XXXX, Equifax, and XXXX did not conduct reasonable investigations or verify the accuracy of the furnished information. 


Supporting Documents : I have attached copies of the following for your review : - My letters to XXXX, Equifax, and XXXX, dated XXXX XXXX. 
- My letter to XXXX XXXX XXXX, dated XXXX XXXX, XXXX. 
- Consumer credit reports with highlighted inaccuracies, inconsistencies, and incomplete information. 
- Responses from XXXX XXXX XXXX  and the CRAs. 

The actions of XXXX XXXX XXXX  and the CRAs have caused significant harm, undermining my trust in the credit reporting system. I urge the CFPB to address these violations to ensure compliance with the FCRA and protect consumers like me. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief