Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Starting with a review of my credit reports on XX/XX/XXXX, I discovered multiple significant inaccuracies and inconsistencies across all three bureaus ( Experian, Equifax, and TransUnion ). These errors relate to several accounts and have a severe negative impact on my credit profile. 

For instance, an account originally from XXXX / XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX ) is erroneously reported as a repossession, despite my explicit statement to Experian ( also on their report ) that it was 'NEVER LATE, ACCOUNT WAS PAID AS AGREED. ' This account shows no payment activity since XX/XX/XXXX and an inflated, stale balance of {$8400.00}. I initially disputed this with the bureaus, including a specific dispute with Experian in XX/XX/XXXX, but the repossession status remains unchanged, indicating a failure of their reinvestigation. 

A XXXX XXXX account ( ending in * * * * XXXX ) shows conflicting statuses across the bureaus reported as a charge-off on XXXX, paid in full on another, and closed by grantor on a third. Despite a prior investigation, this disputed entry remains, with inconsistent and misleading payment history. 

Multiple DEPT OF ED / XXXX entries ( account ending in * * * * XXXX ) display numerous inconsistencies. Balances, delinquencies, and due dates vary across reports. Several loans appear duplicated or incorrectly split. Some entries consistently show " Over 120 Days Past Due '' with a {$0.00} payment amount, despite " Last Payment '' dates in XX/XX/XXXX. This points to repetitive, unverifiable, and outdated information. My disputes in XX/XX/XXXX resulted in " consumer disagrees '' or " dispute resolved/consumer disagrees '' remarks, but the severe delinquencies persist, demonstrating inadequate reinvestigation. 

A XXXX XXXX XXXX account ( ending in * * * * XXXX ) is reported as a charge-off with a {$5200.00} balance, yet shows no scheduled or actual payment records. Furthermore, this account appears on some bureaus but is entirely absent from others ( TransUnion and Experian ), making it unverifiable and indicating incomplete reporting. My dispute in XX/XX/XXXX against this account also resulted in an " unchanged '' status from the credit bureau. 

Lastly, XXXX XXXX XXXX XXXX accounts ( ending in * * * * XXXX and * * * * XXXX ) are listed with balances but no history of payments, terms, or contact data. These appear to be stale and unverifiable debts. 

On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these same ongoing issues. Despite this formal complaint, the errors outlined above still remain uncorrected on my credit reports. 

I have attempted to fix these problems directly with the credit reporting companies by sending formal dispute letters, providing supporting documentation ( including a detailed discrepancy summary table and copies of all three credit reports from XX/XX/XXXX, along with proof of ID and address ). In these disputes, I requested the immediate removal of these accounts if they could not be verified with complete and accurate documentation within 30 days. I also requested details of their reinvestigation procedures. The companies have failed to adequately address these concerns or remove the inaccurate information, and the errors continue to be reported. 

Due to the persistent failure of these companies to resolve these critical errors, even after a CFPB complaint, I am now also escalating this matter to the California Attorney General for remedy.

Company response to consumer: Closed with non-monetary relief