Consumer complaint received 2025-01-20 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: NC

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax Information Services LLC for FCRA Violations, Data Breach, and Financial Harm Description of the Problem : I am filing this complaint against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), including the mishandling of disputes related to accounts. In addition, I was a victim of the Equifax data breach in XXXX, which has further compounded the financial and emotional harm I have experienced. 
Key Issues : XXXX. XXXX XXXX XXXX  Account # XXXX : ** o Issue : This account is inaccurately reported across the credit bureaus.

Each credit bureau reports a different date of last activity, violating the requirement for consistency and accuracy under 15 U.S.C. 1681e ( b ).

A monthly payment is inaccurately reported on a closed account, which is misleading.

The payment status differs across the bureaus.

o Requested Action : Provide all business and transaction records verifying the legal accuracy of this account, or delete the tradeline from my credit file. 
XXXX. XXXX XXXX Account # XXXX : ** o Issue : Similar to the XXXX XXXX account, this account is reported inconsistently. 
Each credit bureau reports a different date of last activity, which creates inaccuracies in my credit profile. 
A monthly payment is reported on a closed account, which is misleading and negatively affects my creditworthiness. 
The payment status is inconsistent across bureaus. 
o Requested Action : Provide all business and transaction records verifying the legal accuracy of this account, or delete the tradeline from my credit file. 
XXXX. XXXX XXXX XXXX, XXXX ( XXXX XXXX ), and US Department of Education Accounts : o Refer to previous disputes with Equifax regarding these accounts, which remain unresolved despite inaccuracies and incomplete reporting. 
4. Failure to Conduct a Reasonable Reinvestigation : Equifax has failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a thorough reinvestigation of disputed accounts. The use of automated dispute verification systems like e-OSCAR has proven inadequate, as it fails to account for all relevant consumer-provided information.

5. Data Breach in XXXX : As a victim of the Equifax data breach, my personal information was exposed, increasing the risk of identity theft and fraud. Equifaxs lack of accountability in protecting consumer data has directly contributed to the harm I have experienced. 
Harm Experienced : The mishandling of my disputes, coupled with the effects of the XXXX data breach, has caused the following harm : Inaccurate and inconsistent reporting has lowered my credit score. 
Financial losses due to credit denials and increased interest rates. 
Emotional distress from dealing with ongoing inaccuracies and the fear of identity theft.

Company response to consumer: Closed with non-monetary relief