Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax for inaccurate, incomplete, and unverifiable reporting of negative accounts on my credit report, as well as their failure to properly investigate my disputes. Equifaxs actions violate Metro 2 reporting standards ( XXXX Metro 2 Format for Credit Reporting ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) ( accuracy ) and 15 USC 1681i ( a ) ( 1 ) ( A ) ( investigation requirement ), causing significant harm to my credit profile and financial opportunities. Equifaxs history of sham investigations ( CFPB enforcement action, XX/XX/XXXX, {$15.00} XXXX fine for failing to investigate disputes, ignoring consumer evidence, and using flawed processes ) further exacerbates these violations, as Equifax has not addressed my concerns. 

On XX/XX/XXXX, I reviewed my Equifax credit report and identified issues with three negative accounts : XXXX XXXX ( revolving ), XXXX XXXX XXXX ( installment ), and XXXXXXXX XXXX XXXX ( revolving ). The report summary lists 3 accounts with negative information, but only 2 ( XXXXXXXX XXXX XXXX and XXXX XXXX ) show clear derogatory marks, suggesting a discrepancy or hidden negative mark on XXXX XXXX. These accounts contain unverifiable data, violating Metro 2 and FCRA standards as follows : XXXX. XXXX XXXX ( Revolving ) : - Missing Payment History ( Metro 2 XXXX, Field XXXX, XXXX  XXXX ) : Metro 2 XXXX requires 24 months of payment history ( XXXX  XXXX ). The report omits this for 44 months reviewed ( XX/XX/XXXX to XX/XX/XXXX ), making any negative status unverifiableviolates 15 USC 1681e ( b ). 

- Unverifiable Negative Status ( Metro 2 XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : If XXXX  XXXX is the third negative account, the lack of payment history makes this unverifiableviolates 15 USC 1681e ( b ). 

- Potential Time-Barred Debt ( Metro 2 XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : If delinquent before XX/XX/XXXX ( last payment ), it may be time-barred by XX/XX/XXXX ( e.g., Californias XXXX statute, XXXX XXXX ). XXXX  XXXX must show " DA '' unverifiable, violates 15 USC 1692e ( 8 ). 

XXXX XXXX XXXX XXXX XXXX Installment ) : - Missing XXXX Payment History ( Metro 2 XXXX, FieXXXX XXXX XXXX XXXXXXXX ) : The account opened XX/XX/XXXX, but XXXX payment history is blank ( XXXX  XXXX ) violates 4.3 and 15 USC 1681e ( b ) .

- Inconsistent Date of Last Payment ( Metro 2 XXXX, Field XXXX, bytes XXXX ) : The Date of Last Payment ( XX/XX/XXXX, bytes XXXX : " XXXX '' ) occurs after repossession began ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : " XXXX '' ) violates 6.1 and 15 USC 1681e ( b ). 

- Missing Date of Last Activity ( Metro 2 XXXX XXXX XXXX XXXX XXXXXXXX ) : Bytes XXXX are blank despite repossessionviolates 6.1 and 15 USC 1681e ( b ). 

- Unverifiable Past-Due Amount ( Metro 2 XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) : The {$7000.00} past-due amount ( bytes XXXX : " XXXX '' ) is unverifiable due to missing historyviolates 4.1 and 15 USC 1681e ( b ). 

XXXX. XXXXXXXX XXXX XXXX ( Revolving ) : - Inconsistent Date of First Delinquency ( Metro 2 XXXX XXXX XXXX XXXX XXXXXXXX ) : Charge-off began XX/XX/XXXXXXXX  ( XXXX  XXXX XXXX XXXXXXXX : " CO '' ), but Date of First Delinquency is XXXX XXXX  ( bytes XXXX : " XXXX '' ). Metro 2 XXXX requires charge-off after 180 days of delinquencyviolates 6.1 and 15 USC 1681e ( b ). 

- Missing Payment History ( Metro 2 XXXX, Field XXXX, bytes XXXX ) : History for XXXX is blank ( bytes XXXX ) violates XXXX and XXXX XXXX XXXX ( b ). 

- Failure to Flag Dispute ( Metro 2 XXXX, Field XXXX, byte XXXX ) : Comments note Consumer disputes after resolution ( Feb/Mar XXXX ), but no XXXX XXXX  ( XXXX XXXX ) violates 15 USC 1681i ( a ) ( 1 ) ( A ). 

- Unverifiable Charge-Off Amount ( Metro 2 XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ) : The {$71.00} charge-off ( bytes XXXX : " XXXX '' ) is unverifiableviolates 4.1 and 15 USC 1681e ( b ). 

Additionally, the summary discrepancy ( 3 negative accounts reported, 2 identified ) violates 15 USC 1681e ( b ). These inaccuracies have led to credit denials, higher interest rates, and missed opportunities ( e.g., inability to secure a loan for home repairs ), costing me {$4000.00} in financial losses and 20 hours of my time ( at $ XXXX, totaling {$1000.00} ). The emotional distressconstant anxiety and fear of financial instabilityhas been significant. 

On XX/XX/XXXX, I submitted a dispute via Equifaxs portal ( https : //www.equifax.comXXXX  ), citing Metro 2 violations ( 4.1, 4.3, 6.1, 6.2 ) and USC laws ( 15 USC 1681e ( b ), 15 USC 1681i ( a ) ( 1 ) ( A ) ), and requested deletion of the accounts. Equifax failed to respond within 30 days, violating 15 USC 1681i ( a ) ( 6 ). Given Equifaxs history of sham investigations ( CFPB, XX/XX/XXXX ), I believe their inaction reflects systemic noncompliance.

Company response to consumer: Closed with non-monetary relief