Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXEmail: XXXX XXXX XXXXTo Whom It May Concern\XXXXConsumer Financial Protection Bureau\XXXXSubject: Formal Complaint Regarding Inaccurate Credit Reporting by EquifaxXXXXInformation Services, LLC\XXXX1. What HappenedXXXXI am a consumer who discovered multiple inaccurate entries on my Equifax credit\XXXXreport. On XXXX XXXX XXXX I submitted a written dispute to Equifax Information\nServices, LLC XXXX XXXX XXXX XXXX, GA XXXX requesting validation and\ncorrection of the following items:XXXXItem Type Reported\nDate(s) Specific Deficiencies\nMissing Inquiry Type\nCode (Metro2 Field XXXX Inquiry XXXXand Inquiry Result\nCode (Field 26).\nMissing Inquiry Type\nCode (Field 31) andXXXX Inquiry XXXXrecord incorrectly\nflagged as a\npublicrecord type 2.\nMissing ChargeOff\nDate (Field 22) and\XXXX  Chargedoff revolving account\nXXXX XXXX XXXX XXXX XXXX XXXX Not dated\nnonnumeric status\ndescriptor\n(Derogatory).\nMissing ChargeOff\XXXX C\nChargedoff creditcard\naccount\n(Acct # XXXX XXXX XXXXDate (Field 24) and\nNot dated\nmissing First\nDelinquency Date.\nIn each case the required Metro2 data elements are absent, rendering the entries\nunverifiable under FCRA  623(a)(1) and 607(b) and, for the debtrelated items,\npotentially violating FDCPA  1692e & 1692g.\n2. Financial Harm\nBecause these entries are present on my credit report, I am at risk of:\nCredit score impairment  incomplete or inaccurate inquiries and chargeoffs\ncan lower my score.\nDenial or higher cost of credit  lenders may view the unverifiable items as\nnegative risk factors.\nLoss of consumer confidence  the uncertainty surrounding my credit file\ncreates undue stress and limits my ability to make major financial decisions.\nNo specific dollar amounts are available, but the potential impact on creditworthiness\nis material.\n3. Regulatory Violations\nFair Credit Reporting Act (FCRA)   623(a)(1), 607(b), 611(a)(1)(A).\nFair Debt Collection Practices Act (FDCPA)   1692e, 1692g.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  establishes the\nfurnishers burden of proof, which Equifax has not met.\nThe missing Metro2 fields constitute violations of the FCRAs accuracy and verification\nrequirements.\n4. Timeline (as documented in my dispute to Equifax)\XXXX XXXX inquiry appears on report (missing required codes).\XXXX XXXX inquiry appears on report (missing required codes\nand misclassified).\nDate unspecified  XXXX and XXXX XXXX  chargedoff accounts appear\nwithout required datesXXXX XXXX XXXX  I mailed the dispute letter to Equifax requesting validation\nand deletion of the inaccurate items.\nNo response has been received within the statutory 30day investigation period.\n5. Company Failures\nEquifax failed to provide the mandatory Metro2 data elements, breaching its\nduty to ensure maximum possible accuracy.\nThe agency has not supplied any original contracts, account statements, or\nauthorizations that would establish a permissible purpose for reporting.\nNo corrective action or written findings have been communicated to me, contrary\nto FCRA  611(a)(1)(A).\n6. Attempted Resolutions\XXXX XXXX XXXX  Sent a formal dispute letter to Equifax (copy attached).\nRequested full validation of each item and deletion of any unverifiable\ninformation.\nRequested acknowledgment of receipt within five business days and a complete\ninvestigation report within 30 days.\nTo date, Equifax has not responded.\n7. Systemic Concerns\nThe pattern of omitted Metro2 fields across multiple unrelated entries suggests a\nbroader compliance deficiency within Equifaxs reporting processes. Such systemic\nfailures can affect many consumers, undermining the integrity of the national credit\nreporting system.\n8. Specific Remedy Sought\nI respectfully request that the Consumer Financial Protection Bureau:\n1.Require Equifax to complete a thorough investigation of the disputed items,\nprovide all documentation that substantiates each entry, and delete any\ninformation that cannot be verified.\n2. Mandate correction of the Metro2 data fields for the listed inquiries and\nchargedoff accounts to bring the reporting into full compliance with the FCRA.\n3. Impose appropriate penalties for the violations and require Equifax to\nimplement procedural safeguards to prevent recurrence.\n4.Provide me with a written confirmation of the actions taken and an updated\ncopy of my credit report reflecting the corrections.\n9. Supporting Documentation\nScreenshots of the Equifax credit report showing the four inaccurate entries.\nImages of my drivers license, SSN verification, and address verification (as\npreviously submitted).\nI am prepared to furnish any additional information the Bureau may require.\nThank you for your prompt attention to this matter. I look forward to a resolution that\nrestores the accuracy of my credit file and protects my consumer rights.\nSincerely,\XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief