Consumer complaint received 2026-05-05 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: NC

Complaint narrative:
Equifax / Experian / TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - regarding inaccurate and inconsistent credit reporting on my credit profile. This account is currently reporting inconsistent and inaccurate Date of Last Payment across multiple credit bureaus. Additionally, the Date of Last Activity is also reporting differently and inaccurately between bureaus. These inconsistencies clearly indicate that the information being furnished is unreliable and has not been properly verified. I have made multiple requests to the creditor to provide documented, verifiable proof of all transactions associated with this account, including a full transactional history and payment records. The creditor has refused to provide this documentation, which raises serious concerns about the validity and accuracy of the reported data. Equifax / Experian / TransUnion / HUD TITLE ACCOUNT XXXX XXXX XXXXXXXX - I am filing this complaint against the U.S. Department of Housing and Urban Development regarding improper and unlawful credit reporting practices. This account is currently reporting inaccurate and inconsistent Date of Last Payment and Date of Last Activity across multiple credit bureaus. These discrepancies clearly violate reporting accuracy standards. Despite several requests, the creditor has refused to provide documented evidence or transactional proof supporting the account balance, payment history, or activity. The refusal to validate this account raises serious concerns about its legitimacy and compliance with federal laws. TransUnion / Equifax / DPT TREASURY - XXXX XXXX XXXX - I am submitting a complaint against the United States Department of the Treasury regarding inaccurate reporting on my credit file. This account is reporting inconsistent and inaccurate Date of Last Payment as well as inconsistent Date of Last Activity across different credit bureaus. Such discrepancies demonstrate a failure to maintain accurate records and report consistent data. I have formally requested transactional documentation and verification of this account multiple times. However, the creditor has refused to provide any supporting documentation, including proof of transactions, payment history, or account validation. This conduct is a violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must provide accurate information FCRA, 15 U.S.C. 1681s-2 ( b ) to investigate disputes and correct inaccurate information FCRA, 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Requirement to provide validation of debt upon request ( where applicable ) The failure to ensure accurate reporting and refusal to provide validation has caused damage to my creditworthiness, financial reputation, and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief