Consumer complaint received 2026-06-11 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: MO

Complaint narrative:
I just want to follow up this complaint regarding the inaccurate and inconsistent reporting of XXXX Account # XXXX across all three major credit bureaus, which continues to cause substantial harm to my consumer credit profile and financial standing. The account is currently reporting with a Balance of {$10000.00}, however the information being furnished and maintained by the bureaus contains major contradictions that demonstrate the data is not being reported with maximum possible accuracy as required under federal law. After reviewing my credit reports, I discovered that Experian is reporting XXXX Account # XXXX with a Date Opened of XX/XX/year> and a severe delinquency status of 180 Days Late, while Equifax is reporting the exact same account number with the same Date Opened of XX/XX/year> but only reflecting 120 Days Late, and TransUnion is reporting the account as 120 Days Late while using a completely different Date Opened of XX/XX/year>. These are material inconsistencies involving the same account and can not all simultaneously be accurate if the account was properly investigated and verified. The contradictory reporting between the bureaus creates a false and misleading representation of my payment history, account aging, and delinquency timeline, which directly impacts lending decisions, credit evaluations, and my overall financial reputation. A properly verified account should reflect identical reporting across all repositories, yet the information currently being reported differs significantly regarding the late payment classification and account opening date. The discrepancies indicate failures in compliance with FCRA 611 ( 15 U.S.C. 1681i ) concerning the obligation to conduct reasonable reinvestigations of disputed information, as well as violations of FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) which require furnishers to provide accurate data and conduct lawful investigations upon notice of dispute. Furthermore, under 15 U.S. Code 1666 Correction of Billing Errors and 15 U.S. Code 1666a Creditors Restrictions During Dispute, I am asserting my rights concerning the inaccurate and inconsistent reporting associated with this account while demanding factual verification and proper updating of all information being furnished to the bureaus. The current reporting reflects conflicting delinquency statuses between 180 Days Late and 120 Days Late, as well as contradictory opening dates of XX/XX/year> and XX/XX/year>, which materially affects my creditworthiness and demonstrates unreliable reporting procedures. I am requesting that the CFPB require the credit bureaus and the furnisher responsible for XXXX Account # XXXX to conduct a complete reinvestigation of the account records, payment history chronology, furnishing records, and reporting timeline to ensure that all information reflected across Experian , Equifax, and TransUnion is fully accurate, verified, complete, and consistently updated in compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation