Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
I just want to Follow up this formal complaint to the Consumer Financial Protection Bureau regarding widespread and ongoing inaccurate credit reporting by Experian , Equifax, and TransUnion involving multiple accounts that are reporting inconsistently across all three bureaus despite being the same underlying obligations. Under Account Name : XXXX XXXX, Account # XXXX, Experian reports Balance Owed {$370.00} with LATE 30, 60, 90 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX, while Equifax reports Balance Owed {$350.00} with LATE 30, 60 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX, and TransUnion reports Balance Owed {$350.00} with LATE 90, 120 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX, reflecting conflicting balances, different delinquency levels, and inconsistent activity dates. Under XXXX XXXX, Account # XXXX, Experian reports Balance Owed {$1600.00} with LATE 30, 60 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX ; Equifax reports Balance Owed {$1600.00} with LATE 30, 60 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX ; and TransUnion reports Balance Owed {$1600.00} with LATE 90, 120 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX, again demonstrating inconsistent delinquency histories and activity dates. Under XXXX, Account # XXXX, numerous balances are reported separately but under the same account number with conflicting payment histories and dates across all bureaus, including Balance Owed amounts of {$3400.00} ; {$6800.00} ; {$5100.00} ; {$9400.00} ; {$1700.00} ; {$3300.00} ; {$2500.00} ; {$4600.00} ; {$10000.00} ; {$3800.00} ; {$3600.00} ; {$12000.00} ; {$19000.00} ; {$24000.00} ; {$4400.00} ; {$7700.00} ; {$10000.00} ; {$13000.00} ; {$1900.00} ; and {$6400.00}, where Experian consistently reports LATE 90, 120, 150 DAYS with Date of Last Activity XX/XX/XXXX and Date Reported XX/XX/XXXX, Equifax reports LATE 90, 120 DAYS with Date of Last Activity XX/XX/XXXX and Date Reported XX/XX/XXXX ( except for the {$4400.00} balance which is not reflected ), and TransUnion reports LATE 90, 120 DAYS with Date of Last Activity XX/XX/XXXX and Date Reported XX/XX/XXXX, creating systematic discrepancies including the addition of XXXXday lates appearing only on Experian , inconsistent last activity dates, inconsistent reported dates, and incomplete reporting across bureaus. Additionally, under XXXX XXXX XXXX, Account # XXXX, Experian reports Balance Owed {$0.00} with LATE 30, 60, 90 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX ; Equifax reports Balance Owed {$0.00} with LATE 30, 60 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX ; and TransUnion reports Balance Owed {$0.00} with LATE XXXX, XXXX, 90 DAYS, Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX, demonstrating inconsistent late history levels and reporting dates. These discrepancies involve conflicting balances, inconsistent delinquency categories ( XX/XX/XXXX vs. XXXX/XXXX vs. XXXX ), differing Dates of Last Activity ( including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), inconsistent Dates Reported ( including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), inconsistent balances ( {$370.00} vs. {$350.00} for XXXX XXXX ), and incomplete cross-bureau reporting ( notably XXXX {$4400.00} missing from Equifax ) XXXX all of which demonstrate a failure to maintain maximum possible accuracy as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation