Consumer complaint received 2025-09-22 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate LOANCARE Account Reporting under the FCRA, FDCPA, and XXXX XXXX Standards Account # : XXXX Dear Equifax Dispute Department , I am writing to demand immediate correction and deletion of inaccurate and unverifiable information being reported on my consumer credit file regarding the above-referenced XXXX mortgage account. This account has been disputed previously ; however, your response continues to state it has been verified, despite failing to provide the required method of verification under 15 U.S.C. 1681g ( FCRA 609 ) and 15 U.S.C. 1681i ( FCRA 611 ).

Discrepancies Identified 1. Payment Status Conflict Across Bureaus o XXXX : Paid or paying as agreed o XXXX : Current, was past due 60 days o Equifax : Pays account as agreed Reporting different statuses across CRAs is inconsistent and misleading. Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy.

2. Balance & Date Inconsistencies o XXXX reports {$200000.00} balance.

o XXXX & Equifax both report {$200000.00} balance. 
o Date of Last Payment varies : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( EQ ). 
This is a clear violation of XXXX XXXX standards, which mandate uniform, consistent reporting across CRAs. 
3. Late Payment Coding o XXXX  & XXXX show 30-, 60-day lates. 
o Equifax shows OK during the same months. 
The contradictory histories demonstrate lack of proper verification and data integrity violations. 

Legal Grounds for Deletion FCRA 609 ( 15 U.S.C. 1681g ) Grants me the right to request the method of verification. You have not provided documentation such as billing statements or signed ledgers proving delinquency.

FCRA 611 ( 15 U.S.C. 1681i ) Requires you to reinvestigate disputed items. Re-reporting the same unverifiable data without meaningful investigation violates this law.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires CRAs to ensure maximum possible accuracy. Conflicting reports across CRAs prove failure to comply.

Case Law : o XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX held CRAs must do more than parrot the furnisher ; they must conduct a reasonable reinvestigation. 
o XXXX v. Equifax, XXXX XXXX XXXX Established that continued reporting of inaccurate information after dispute constitutes willful violation. 
o XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces liability when CRAs fail to verify disputed debts. 

XXXX XXXX Compliance Failure The XXXX XXXX XXXX XXXX ( XXXX ) requires uniform reporting through the XXXX XXXX format. Inaccurate coding of payment history, inconsistent balances, and contradictory status reporting violate XXXX XXXX guidelines and demonstrate willful negligence. 

Formal Demand 1. Provide me with the full method of verification used, including all underlying documentation ( billing statements, account ledgers, proof of delinquency ).

2. Delete or correct the inaccurate late payment reporting across all CRAs within 30 days as required under FCRA 611.

3. Cease re-inserting disputed information without complying with FCRA 611 ( a ) ( 5 ) ( B ) ( certification from the furnisher ).

Failure to comply will leave me no choice but to escalate this matter by pursuing a private right of action under FCRA 616-617 ( 15 U.S.C. 1681n, 1681o ) for actual, statutory, and punitive damages, as well as attorneys fees. 

Sincerely, XXXX XXXX I have also made a complaint with FTC my complaint number is XXXX

Company response to consumer: Closed with explanation