Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
SUBJECT : Final Notice Equifax FCRA Violations ( Failure to Provide MOV & Maintain Accuracy ) BODY : Dear Consumer Financial Protection Bureau, This is a formal final supplement to my original complaint filed against Equifax ( CFPB Case XXXX XXXX ) concerning its failure to comply with the Fair Credit Reporting Act ( FCRA ). Equifax continues to ignore statutory obligations under 15 U.S.C. 1681i ( a ) and 1681e ( b ) to maintain accurate records, conduct lawful reinvestigations, and provide the legally required Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ).

Despite prior disputes and a certified mailed final notice ( attached ), Equifax failed to meaningfully address material discrepancies across the following tradelines : XXXX. XXXX XXXX ( Acct. No. Ending in XXXX & XXXX ) Issue : Inconsistent 30-day late payment history across XXXX, Equifax, and XXXX 

Violation : Conflicting derogatory status without documented MOV. 

Status : Equifax reports XXXX lates between XXXX XXXXXXXX XXXX XXXX XXXX  now align after reinvestigations, yet XXXX version remains uncorrected. 

Relief Sought : Deletion of inaccurate late payment history, not the entire tradeline. 

XXXX XXXX XXXX XXXXXXXX ( Acct. No. Ending in XXXX ) Issue : 30/60/90-day late payments from XXXX XXXX shown in XXXX and Equifax, while XXXX only reports Paid as Agreed .

Violation : FCRA 1681e ( b ) ( inconsistent history affecting scoring ) ; 1681i ( failure to verify ).

Status : No clarification or MOV provided.

Relief Sought : Verification of reported delinquencies or removal of inaccurate history. 

XXXX. XXXX XXXX ( Acct. No. Ending in XXXX ) Issue : Settled in full in XX/XX/XXXX ; however, Equifax continues to report derogatory rolling charge-offs post-settlement and misaligned charge-off timelines across CRAs. 

Violation : FCRA 605 ( a ) ( 4 ) - ( 5 ) ( potential re-aging ), 1681i ( failure to verify ), 1681e ( b ).

Status : Verified as accurate without documentation ; XXXX aligned partially. 

Relief Sought : Proper correction of charge-off timeline, removal of excess derogatory history post-settlement. 

XXXX. XXXX XXXX ( Acct. No. Ending in XXXX ) Issue : Account sold to another lender in XXXX. Still reflects charge-off and 90-day lates even after closure.

Violation : 1681c ( a ) ( 4 ), 1681i, 1681e ( b ) Misrepresentation of payment status and lack of updated disposition.

Relief Sought : Clear identification as sold and updated status to prevent dual reporting of closed/charged-off. 

XXXX. XXXX XXXX ( Dept. of Education XXXX XXXX  Multiple Accounts ) Issue : Equifax correctly deleted all student loan tradelines in May 2025 due to unverifiability, but no method of verification was provided for the reinvestigation.

Violation : 1681i ( a ) ( 6 ) ( B ) ( iii ), 623 ( a ) ( 8 ).

Relief Sought : Documentation of data furnisher confirmation or court remedy confirming deletion.

LEGAL BASIS Equifax is in violation of : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a lawful reinvestigation.

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide Method of Verification upon request. 

Case Law Reference : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A CRA may be held liable if it fails to go beyond a mere parroting of the furnisher 's response.

Company response to consumer: Closed with explanation