Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am submitting this complaint regarding continued inaccurate, inconsistent, and legally unverifiable reporting by Equifax, Experian, and TransUnion concerning two charge-off accounts and multiple unauthorized credit inquiries, despite repeated disputes and prior CFPB complaints that placed the credit reporting agencies and furnishers on actual notice. 

The first account at issue is XXXXXXXX XXXX XXXX, account number XXXX. This account is reported with materially contradictory information across all three credit bureaus. Equifax and Experian report the account as closed, while TransUnion reports the same account as open. The reported dates of last activity differ by more than two years, with Equifax reporting XX/XX/XXXX, Experian reporting XX/XX/XXXX, and TransUnion reporting XX/XX/XXXX. These dates can not all be correct for a single account originating from one creditor. The reported high credit is also inconsistent, with Equifax reporting {$20000.00} while Experian and TransUnion report {$29000.00}. Even the delinquency history is contradictory, with Equifax reporting extensive 30-, 60-, and 90-day late payments, TransUnion reporting zero delinquencies across all categories, and Experian reporting an entirely different delinquency pattern. These contradictions make it factually impossible for this account to be accurate or verifiable. 

Despite repeated disputes, no primary source documentation has been produced to substantiate the reporting of this account. No billing statements, payment histories, charge-off documentation, payment application records, or servicing system records have been provided. Reliance on automated verification or furnisher confirmation does not satisfy the Fair Credit Reporting Acts requirement to maintain maximum possible accuracy or to conduct a reasonable reinvestigation after notice. Because the reporting is internally inconsistent and can not be verified using contemporaneous records, this account is inaccurate and must be deleted. 

The second account at issue is XXXX, account number XXXX. This account is also reported with materially conflicting data across all three credit bureaus. The reported dates of last activity and last payment do not match between bureaus, with Equifax reporting activity in XX/XX/XXXX, Experian reporting activity in XX/XX/XXXX, and TransUnion reporting activity in XX/XX/XXXX. The reported high balance varies between {$3000.00} and {$3600.00}, and the delinquency history is irreconcilable, with Equifax reporting extensive late payments while Experian and TransUnion report no delinquencies at all. These contradictions alone demonstrate that the data is not accurate and can not be certified as compliant with Metro 2 reporting standards. 

As with the XXXX XXXX XXXX account, no primary source documentation has been produced to verify the XXXX charge-off. No billing cycles, due dates, payment application records, or charge-off calculations have been provided. Reporting a charge-off and late payment history without the ability to substantiate the data renders the information legally unverifiable. Continued reporting of this account after notice violates the Fair Credit Reporting Act and causes ongoing harm to my credit profile. 

In addition to the inaccurate accounts, my credit report contains multiple unauthorized inquiries that I did not initiate, authorize, or consent to. These inquiries include XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I did not apply for credit with these companies, did not sign any applications, and did not provide written or verbal authorization for them to access my credit report. No permissible purpose documentation has been produced, and no signed application or consent exists. Accessing my credit file without permissible purpose violates federal law, and continued reporting of these inquiries after notice is unlawful. 

These issues have been raised through multiple disputes and prior CFPB complaints, yet the same inaccurate accounts and unauthorized inquiries remain on my credit reports. Continued reporting after notice constitutes negligent and potentially willful noncompliance. This reporting has caused concrete harm, including credit score suppression, credit denials, and less favorable lending terms.

Company response to consumer: Closed with non-monetary relief