Consumer complaint received 2025-08-07 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: WA

Complaint narrative:
FOLLOW-UP COMPLAINT : Company 's CFPB Response Confirms Systematic FCRA Violations This is a follow-up to my original complaint filed XX/XX/XXXX. The company 's XX/XX/XXXX response has CONFIRMED and DOCUMENTED the exact FCRA violations I originally complained about, while refusing to correct them. 

COMPANY 'S WRITTEN ADMISSIONS OF VIOLATIONS : 1. RETROACTIVE CREDIT REPORTING MANIPULATION : The company admits in writing that they reported my FHA loan as " current and in a Forbearance plan '' from XX/XX/XXXX through XX/XX/XXXX, then on XX/XX/XXXX retroactively changed 11 months of historical credit data to show the account was " contractually delinquent for XX/XX/XXXX payment and all subsequent payments. '' 2. CONTRADICTORY REPORTING STANDARDS : In the same response letter, the company states they " report the same information to all credit agencies '' but also that " each agency has their own policies that dictate how that information is reflected '' - proving they can not ensure accurate reporting.

3. CONSUMER DECEPTION REGARDING FORBEARANCE : They told me my loan would be reported as " current and in a Forbearance plan '' during the forbearance period, then later claimed it was " contractually due '' for the exact same time periods.

4. FAILED INVESTIGATION : The company 's response ignored my core complaint about how the same account could be simultaneously current and 120+ days delinquent across different credit bureaus, provided no supporting documentation, and gave a form response rather than conducting actual investigation.

FEDERAL LAW VIOLATIONS DOCUMENTED BY COMPANY 'S OWN RESPONSE : - FCRA Section 1681s-2 ( a ) ( 1 ) : Knowingly furnishing false information through retroactive changes - FCRA Section 602 ( a ) : Destroying maximum possible accuracy through timeline manipulation - FCRA Section 611 : Failure to conduct reasonable reinvestigation - RESPA, FDCPA, and FTC Act violations for deceptive practices TIMELINE OF VIOLATIONS : - XXXX XXXX XXXX : Enrolled in FHA Special Forbearance plans XXXX XXXX XXXX XXXX  : Company reported loan as current and in forbearance - XX/XX/XXXX : Forbearance plan ended, approved for partial claim - XX/XX/XXXX : Company retroactively changed 11 months of previous reporting - XX/XX/XXXX : Loan brought current with partial claim - XX/XX/XXXX : Filed original CFPB complaint about inaccurate reporting - XX/XX/XXXX : Company response admits to violations while refusing correction The company used the CFPB complaint process to further document their violations rather than correct them. Their response provides written evidence of willful FCRA violations that exceed those resulting in major CFPB enforcement actions against other companies. 

This affects potentially thousands of forbearance customers who were deceived about credit reporting impact and subjected to retroactive credit damage. The company 's systematic violations require immediate attention.

Company response to consumer: Closed with non-monetary relief