Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MS

Complaint narrative:
URGENT FORMAL COMPLAINT - EQUIFAX XXXX XXXX  XXXX XXXX Equifax This is a formal and urgent regarding Equifax. Both entities have failed to correct false mortgage reporting that has severely damaged my credit for years. 
XXXX is currently under federal investigation by the CFPB for servicing violations, and I am requesting that my account be included in the scope of that investigation. The mortgage was originally handled by XXXX XXXX XXXX ( XXXX ), who caused significant credit damage and offered a settlement due to misconduct. They never corrected my credit and transferred the loan to XXXX. 
XXXX then continued the same abuse : returning valid payments, misapplying double payments, and marking the account as over 120 days past due and in foreclosure. Equifax has been repeatedly notified of this false information, yet they continue to report it. 
My husband and I have both submitted all required documents to XXXX. Despite this, Equifax continues to ask for the exact same information again, ignoring the fact that we have already complied in full. 
This is a pattern of willful noncompliance and bad faith. Additionally, I have not been able to log into my Equifax account for over a year. Every time I try, I receive a message saying I must call. When I do call, I am told that a supervisor must contact me by email. That has never happened. I followed up again, and they claimed I had two separate accounts, which they allegedly fixed, but the access issue continues to this day. 

Equifax has also failed to fix other disputes that are clearly supported by documentation. They leave all negative data on the report exactly as the creditor submits it-even when it is false. In contrast, Experian and TransUnion both investigated the exact same issues and corrected them. My credit scores with those bureaus increased. Equifax, however, dropped my score even lower-below the already suppressed XXXX then mailed us a letter falsely stating that corrections were made. The changes Equifax made actually worsened my credit report. I am suffering daily harm due to this negligence, including financial loss, loan denials, and emotional distress. 
I am demanding immediate investigation and action by the CFPB. I request immediate deletion or correction of the XXXX tradeline and a regulatory review of Equifax 's failure to allow account access, repeated dispute suppression, and retaliatory scoring activity. Within 7 days. 

For over a year, I have been unable to log into my Equifax account. Each time I attempt to log in, I receive a message instructing me to call. When I call, Equifax states that a supervisor needs to contact me via email, but no one ever follows up. On another call, I was told I had two accounts and that they had been merged, but I still can not access my account.

Meanwhile, Equifax has failed to correct multiple disputes that are clearly supported with documentation.

Their investigators ignore plain evidence and leave negative information on my credit file exactly as the creditor provides it, even when it's demonstrably false. Experian and TransUnion reviewed the exact same information and removed the inaccurate accounts. But XXXX is still sending foreclosure proceedings. My scores with those bureaus increased a bit from the other inaccurate accounts. 
Equifax, however, dropped my score even lower-below XXXX sending me a letter saying they verified the accounts and made changes. The 'changes ' they refer to made my credit report worse, not better. This is not just negligence-it is suppression and retaliation. I request that the CFPB urgently investigate Equifax 's systemic failure to honor its obligations under the Fair Credit Reporting Act and provide consumers with a fair opportunity to recover their credit standing. XXXX XXXX

Company response to consumer: Closed with explanation