Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been disputing a XXXX credit card account since XX/XX/year> with Equifax, XXXX XXXX XXXX. Despite repeated disputes and reinvestigations, XXXX continues to report this account as a charged-off revolving account across all three consumer reporting agencies and has caused significant and ongoing harm to my credit profile. 

Each reinvestigation response from XXXX has relied on the same recycled internal account statements and Metro 2 certifications asserting that the account is verified as accurate. XXXX has never provided documentary evidence establishing that I authorized, opened, or am contractually liable for this account. No original signed application, contract, device or IP data, call recordings, or proof of authorization has ever been produced. 

The consumer reporting agencies, including Equifax, have explicitly stated that they relied on XXXX certification when concluding their reinvestigations. XXXX has failed to provide a legally sufficient description of the method of verification used, failed to identify whether the investigation was automated or manual, and failed to disclose the name or title of the individual who conducted the investigation. 

Additionally, XXXX has repeatedly modified key data fields during successive reinvestigations, including changes to high credit, date of major delinquency first reported, closed date, and additional information fields. These ongoing changes demonstrate that the information being furnished is unstable, inconsistent, and not reliably verifiable. If the data were accurate, it would not require repeated correction. 

This is not a dispute over payment history. This is a failure by XXXX to meet its legal obligations as a data furnisher after receiving notice of dispute from multiple consumer reporting agencies. 

Discovers conduct violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) for failing to conduct a reasonable investigation ; 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) for failing to review all relevant information provided by the consumer reporting agencies ; 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) for failing to report complete and accurate results of its investigation ; 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) for failing to correct, delete, or permanently block information that can not be verified ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for furnishing information that is inaccurate or unverifiable ; and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) for failing to provide a description of the procedure used to determine the accuracy of the disputed information, including the method of verification. 

Discovers continued furnishing of this account to Equifax, XXXX XXXX XXXX without competent evidence of authorization violates Metro 2 accuracy, integrity, and completeness requirements. Internal billing statements and Metro 2 data alone do not constitute proof of ownership or contractual liability. 

As a direct result of XXXX  continued inaccurate and unverifiable reporting, my credit score has dropped significantly, my ability to obtain credit has been impaired, and I have spent months submitting disputes and documentation with no meaningful resolution.

Company response to consumer: Closed with explanation