Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
I am filing this complaint because the three credit reporting agencies ( TransUnion, Equifax, and Experian ) are reporting a XXXX  account in a way that is inaccurate, misleading, and inconsistent, and they keep verifying it even after multiple disputes. 

I am not a credit professional, but I have been studying the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance so I can fix my own credit. The more I learn, the more I feel like the credit bureaus are taking advantage of me and ignoring my rights. 

The account in question is a XXXX credit line secured account. On my reports it shows as : Closed with a {$0.00} balance and remarks such as Closed or Closed or Paid Account/zero Balance ; At the same time, the current status still says Late Over 120 Days. 

On one bureau, the payment history shows 100 % on-time payments ( 0/0/0 lates ), but on another bureau, for the exact same creditor and account number, it shows multiple 30/60/90-day late payments and only 58 % on-time. 

This is the same creditor, same account number, same open date, so these entries can not all be true at the same time. Reporting a closed, paid-off account with a zero balance as currently 120+ days late and showing two completely different payment histories is not just a small error it is confusing, misleading, and damaging to my credit. 

I have disputed this account with all three credit bureaus. I clearly pointed out the contradictions and requested that they either correct the reporting or delete the tradeline. Each time, they responded that the account was verified as accurate without fixing the problems. From my understanding, this does not meet the standard of a reasonable reinvestigation. 

Based on my reading of the FCRA : 15 U.S.C. 1681e ( b ) requires the credit bureaus to follow reasonable procedures to assure the maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) requires them to conduct a reasonable reinvestigation of disputed information and to delete or correct anything that is inaccurate, incomplete, or can not be verified. 

For the furnisher ( XXXX ), 15 U.S.C. 1681s-2 ( a ) and ( b ) require them not to report information they know is inaccurate and to properly investigate and correct information after a dispute is sent through the bureaus. 

From what I can see, the bureaus are just using e-OSCAR to send a quick code to the furnisher and then rubber-stamping the response, even though the data they are publishing is clearly contradictory. As a regular consumer who has taken the time to learn about FCRA and Metro 2, it feels like they are ignoring my disputes and my rights because Im not an attorney or a big company. 

This inaccurate reporting is hurting my ability to qualify for credit and better terms. I am asking the CFPB to : Require TransUnion, Equifax, and Experian to conduct a real, documented reinvestigation of this XXXX account ; Require them to delete this tradeline entirely from all my credit reports, or at minimum, remove any late payment history and any late over 120 days status that conflicts with the closed/paid/zero balance reporting ; and Review whether the furnisher ( XXXX ) and the credit bureaus are complying with 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 in how they are handling my disputes. 

I am attaching copies of my credit reports showing the conflicting information, along with my previous dispute letters and responses. I just want my reports to be accurate and consistent, and I feel like I need the CFPBs help to make the credit bureaus and the furnisher take this seriously.

Company response to consumer: Closed with non-monetary relief