Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint because several accounts that I disputed personally are still reporting inaccurate, inconsistent, and unverifiable information across all three of my credit reports. Even after submitting my disputes myself, the remaining accounts were either marked as verified, updated, or were left unchanged without any explanation or documentation showing how the information was verified. The handling of my disputes has also involved procedural violations and delays. 

I did not use any credit repair company. I personally submitted my disputes. Despite this, XXXX of the bureaus initially refused to process my dispute and improperly delayed the reinvestigation. When I called to ask why my dispute had not been opened, I was told that it had been flagged as coming from a credit repair clinic, which is false and caused an illegal delay in the investigation process. I had to call again and insist that the dispute be opened because I filed it myself. Only after my call did they finally open the dispute, and this occurred well after the legally required timeline under the FCRA. 

This mishandling directly impacted the reinvestigation timeline, the accuracy of my reports, and the status of the remaining accounts listed below. 
Accounts That Were Not Corrected XXXX  XXXX ( Revolving Credit Card ) Still shows conflicting payment history, balances, and reporting details across my credit files. It was marked as verified but no proof, documents, or verification explanation was ever provided. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Marked as updated, but none of the disputed information was corrected. The dates, balances, and payment records are still inconsistent between reports, and no investigation summary was provided. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX shows conflicting date opened, balance amounts, and payment history data across bureaus. This account remained without proper verification or any explanation for why no corrections were made. 

XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX  Marked as verified, yet the reporting continues to contain discrepancies, including mismatched dates, balances, payment amounts, and historical information. No method of verification or documentation was provided. 

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX ) This appears to be a duplicate account, which is inaccurate and harmful because it artificially increases my reported debt and negatively affects my credit profile. No explanation was given for how or why this duplicate was verified. 

Across the remaining items on my reports, the following issues occurred : Inaccurate and contradictory reporting Balances, dates, payment histories, and other account details still do not match across bureaus. 

No reasonable reinvestigation was performed Accounts were closed as verified or updated without correcting inconsistent or false information. 

No method of verification provided I was not given : What documents were used Who verified the information Any investigation notes Any furnisher contact details Unverifiable and duplicate information remains Some accounts continue to report despite no evidence showing the information is accurate. 

Personal information remains incorrect There are multiple name variations and over XXXX outdated addresses still appearing, which impacts matching and linking of accounts and contributes to reporting errors. 

Improper dispute delay after my call When I contacted the bureau to ask why my dispute had not been processed, I was falsely told that it was sent by a credit repair clinic, which is not true. 

This caused : A delay in opening my dispute A violation of the XXXX reinvestigation window A failure to notify me of a frivolous or third-party designation A direct violation of my rights under the FCRA Only after my repeated calls did the bureau open my dispute, meaning the reinvestigation did not begin when it was supposed to. 

These failures have resulted in : Suppressed credit scores Denials for credit, housing, and transportation Delays in correcting inaccurate information Emotional distress XXXX setbacks related to inaccurate reporting The combination of inaccurate reporting, delayed reinvestigation, and the failure to validate disputed items materially affects my financial stability. 
Requested Resolution I respectfully request : A complete, lawful reinvestigation of each remaining account Deletion of any information that can not be verified through actual documentation A full method of verification for each account, including : Documents used Identity of the verifier Whether automated systems were used Furnisher contact information Investigation notes and timestamps Removal of all inaccurate name variations and outdated addresses Correction or deletion of duplicate reporting Consideration for compensation related to negligent and willful non-compliance under the FCRA I am requesting the XXXX assistance to ensure compliance with federal law and to ensure my credit reports reflect accurate, verifiable information.

Company response to consumer: Closed with non-monetary relief