Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
CFPB SUPERVISORY COMPLAINT REQUEST FOR ENFORCEMENT REVIEW & IMMEDIATE CORRECTIVE ACTION Dates : XX/XX/XXXX ( with continuing violations through XX/XX/XXXX ) Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Respondent Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Nature of Complaint This complaint concerns systemic and repeated failures by Equifax Information Services LLC to comply with the Fair Credit Reporting Act ( FCRA ), including failure to conduct lawful reinvestigations, repeated publication of internally contradictory and impossible account data, XXXX XXXX non-compliance, illegal re-aging of delinquency, and continued reporting of inaccurate delinquency information both pre- and post-petition, despite exhaustive notice and documentary proof. 
This is not a single dispute. It is a documented pattern of willful noncompliance following numerous disputes, reinvestigation demands, statutory notices, and bankruptcy notice over a period exceeding XXXX months, during which Equifax repeatedly modified account fields without resolving core factual conflicts. 
Account at Issue XXXX XXXX XXXXXXXX Account ending : XXXX Core Violations Summary XXXX. Internally Contradictory and Impossible Reporting ( FCRA 1681e ( b ) Maximum Possible Accuracy ) Equifax has repeatedly reported the following mutually incompatible data points : Date of First Delinquency ( XXXX  ) : XX/XX/XXXX Payment history codes reflecting current / paid for XXXX and XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Account closed between XX/XX/XXXX These data points can not coexist. 
An account can not be reported as current in XXXX and XX/XX/XXXX while simultaneously having a XXXX of XX/XX/XXXX. This month-by-month contradiction alone renders the tradeline factually inaccurate and legally unverifiable. 
Additionally, Equifax has reported the account as XXXX XXXX while listing a {$0.00} charge-off amount, an impossible accounting condition under XXXX XXXX XXXX, further establishing that the data being published is not merely disputed, but objectively incorrect. 
XXXX. Illegal Re-Aging of Delinquency ( 15 U.S.C. 1681c ( c ) ; XXXX XXXX Compliance ) Equifax has allowed and published multiple changes to the Date of First Delinquency, alternately reporting XX/XX/XXXX and XX/XX/XXXX across different reporting cycles. 
Under FCRA 1681c ( c ) and XXXX XXXX requirements, XXXX is a fixed historical fact that may not be altered once established. Permitting this movement constitutes illegal re-aging, a per se violation of XXXX  law that directly impacts reporting duration and consumer harm. 
XXXX. Failure to Conduct an Independent Reinvestigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Across numerous disputes and XXXX but not limited to Confirmation Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has : Repeatedly issued boilerplate verified as accurate responses Failed to reconcile obvious internal contradictions Failed to provide any method of verification as required by 1681i ( a ) ( XXXX ) Relied exclusively on furnisher assertions and automated systems This conduct constitutes procedural noncompliance, not a lawful or good-faith reinvestigation. 
XXXX. Repeated Modification of Core Fields Without Resolution Rather than correcting the underlying inaccuracies, Equifax repeatedly altered core data fields, including : Date of First Delinquency Date Major Delinquency XXXX  Reported Closed date Payment history grids Account status Past-due amounts Bankruptcy and wage-earner indicators Despite these changes, the same internal conflicts persisted, demonstrating : No document-based verification No XXXX  XXXX field-integrity review No consumer-specific analysis This reflects systemic breakdown, not clerical error. 
XXXX. XXXX XXXX / XXXX  Reporting Violations The tradeline violates XXXX XXXX standards by reporting : Missing or blank Date of Last Activity, a required field for verification Inconsistent delinquency chronology Payment history grids incompatible with delinquency dates Mutually exclusive status codes reported simultaneously Bankruptcy indicators layered over unresolved pre-petition inaccuracies An account can not be lawfully verified without a Date of Last Activity, rendering each reinvestigation legally deficient. 
XXXX. Post-Petition Reporting and Automatic Stay Violations A XXXX  XXXX bankruptcy was filed on XX/XX/XXXX ( Case No. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Louisiana ) XXXX 
After notice of the filing, Equifax : Continued updating major delinquency dates Continued publishing disputed delinquency data Masked payment history visually while preserving false underlying data This conduct implicates 11 U.S.C. 362 ( a ) ( 6 ) and FCRA 1681s-2 ( b ) and demonstrates failure to halt collection-related reporting activity post-petition. 
Why This Requires CFPB Supervisory Attention This matter demonstrates : Repeated reinvestigation failures after exhaustive notice Mechanical reliance on furnishers and automated systems Publication of impossible and contradictory data Illegal re-aging of delinquency Failure to comply with XXXX XXXX field requirements Post-petition reporting misconduct These facts indicate systemic dispute-handling and data-integrity deficiencies, not isolated error, and fall squarely within CFPB supervisory and enforcement priorities.

Relief Requested I respectfully request that the CFPB : XXXX. Require Equifax to delete the XXXXXXXX XXXX XXXX tradeline in full due to unreconcilable inaccuracies, illegal re-aging, and repeated FCRA violations XXXX. Initiate supervisory review of XXXX reinvestigation and XXXX XXXX compliance procedures as applied in this case XXXX. Require Equifax to provide a written explanation of how it reconciled contradictory XXXX, payment history, and status data if it continues to assert accuracy XXXX. Ensure no reinsertion of the account absent full, documented XXXX XXXX verification XXXX XXXX I have acted in good faith, personally authored all disputes, and provided Equifax with repeated opportunities to correct this reporting. The continued publication of inaccurate data has caused material and ongoing harm to my creditworthiness. 
This complaint is submitted to stop continued violations and to address systemic noncompliance. 
Submitted by : XXXX XXXX XXXX, Louisiana

Company response to consumer: Closed with non-monetary relief