Consumer complaint received 2025-07-04 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: OH

Complaint narrative:
I am asking that there be some sort of accountability from the credit reporting agency for reporting this inaccurate information on my credit report. I've questioned the accounts on my credit report and I am requesting that the credit bureau effectively request the proper documentation opposed to receiving a generic answer supplying a verified confirmation opposed to looking over the proper documents in order for these accounts to report. I have no idea why the information is different amongst credit reports and this is unfair to me as a consumer. I am requesting the CFPB hold you accountable for the lacking supporting documents to represent my concerns. I'm about to be very specific. I am not stating that these accounts do not belong to me so do not state " we verified this account belongs to you. '' I have specific concerns about these accounts. Here are my concerns : XXXX XXXX XXXX  : XXXX : Date of Last Activity : I discovered a discrepancy between the information in the field and records from other bureaus. Inaccuracies need to be promptly resolved. Please conduct a proper investigation. Date Reported : The data in this erroneous field does not match that of the other two credit bureaus. I need the information I supplied to be amended. Comments : Due to the way it is being reported, this field 's information is referred to as being incorrect. Send me an update after making the necessary adjustments. Date of Last Payment : There is an error in this field on my credit report. Provide verifiable proof or address the record immediately. Payment History : I have noticed this misleading field on my credit report as it fails to report information that is 100 % accurate. The corrections for this information from my credit report should be prioritized. 

XXXX XXXX XXXX : XXXX : Account : I want to dispute this field because of the way it's been reported. I will patiently await the revised results. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : Because it displays differently on the other two credit bureaus, it appears that the data in this field is not reporting accurately. It should be resolved or adjusted. Creditor Type : This field is unreliable. I will await your resolution. Account Status : The contents of the field in my file should reflect with absolute accuracy, but I suspect it doesn't. Revisit and reassess the disputed item. Payment Status : I would like to bring to your attention the fact that the information displayed in this area is inconsistent. Please mend the error on my report. The faster you can get this done, the better. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. Date of Last Payment : One of the fields on my credit report is not reporting correctly as it should, thus it is misleading. Address this information on my credit report. Account Type : My credit report contains inaccurate data in one field. The item requires immediate correction. Payment History : While it is expected that everything on the credit report should be 100 % accurate, unfortunately, this specific field does not meet that standard. I request an immediate investigation into this dispute and the prompt correction of the item to fix the credit report. 

XXXX XXXX : XXXX : XXXX XXXX : It appears that the data in this field is not reported accurately, as it varies across the three credit bureaus. Please resolve or update this item. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Reported : Since the information on the report is incorrect and the other two bureaus are displaying different information, I am contesting this field. Correct the mistaken item. Creditor Type : Due to the incorrect nature of the field, my consumer report is being negatively impacted. It is imperative that you promptly address and fix the field. Comments : The credit report incorrectly lists this field as a result of improper reporting. Investigate the situation and resolve the issue right away. Date of Last Payment : The data in this field is not accurate at all, despite the fact that it should be. Please immediately investigate this dispute and address the item to correct the credit report. Credit Limit : I discovered that the details in this field on the report are incorrect. I would appreciate it if you could look into this and update me once you have completed your investigation and rectified the incorrect information. Payment History : According to the FTC, the credit report should indeed exhibit 100 % accuracy. However, upon examination, I have found that this particular field does not meet that requirement. I urgently request that the following inaccurate item be fixed immediately in order to correct the credit report. 
XXXX XXXX XXXX : XXXX : High Balance : I am disputing this field because the information on the report is incorrect, as the other two bureaus present different results. Correct the inaccurate item. Date of Last Activity : The information for this field is reported incorrectly. I need this data looked into and resolved, so please take action. Date Reported : It appears that this field has erroneous information that differs from that of the other two bureaus. Who is in possession of the truth? Make the necessary alterations to the problem as it is not reflecting the proper information. Creditor Type : An inaccurate field was displayed on the credit report. Provide evidence that the incorrect field has been corrected. Account Status : Data inconsistency is evident within the field. I mandate that the following fields undergo verification. Payment Status : When it comes to this particular field, the other bureaus are listing different data, and I don't know which one is providing accurate information. The law mandates that this be amended immediately. Comments : An erroneous field is visible in the credit report. It's not entirely accurate. Look into this dispute and rectify the inaccurate information in the report. Date of Last Payment : Despite the FTC 's insistence that this field 's accuracy be reported as 100 %, I discovered that it is not. The following inaccurate item needs to be addressed immediately to correct the credit report. Account Type : The reported data in one field doesn't align with other bureau reports. The detrimental data on my credit report needs adjustment. Payment History : There is an inaccurate item on my credit report. The information in this field differs from what is reported by other bureaus. Every necessary step must be taken to ensure that the reported information is thoroughly fixed and completely accurate. 
XXXX  : XXXX : Account : I'm asking you to fix the problematic field due to its problematic reporting. Please initiate the investigation and resolution as soon as you receive this. High Balance : It appears that the field has inconsistent information compared to the other two bureaus. Who holds the accurate information? Please address the issue at hand. Date of Last Activity : The field you've listed likely contains incorrect data due to inconsistencies with other bureau reports. Once the investigation is done, resolve and correct my report. Date Reported : The data in this field is unclear since it differs from the data provided by the other bureaus. I urgently need this to be fixed. Date Opened : The field 's information is misleading because it is inaccurate. Correct this field. Balance Owed : This field is both incorrect and insufficient. Please investigate these issues and promptly address the disputed item. Account Rating : I believe the creditor is not accurately reporting this field. Immediate resolution of this matter is necessary. Account Description : The credit report continues to contain incorrect detail for this field. This data needs to be updated with the correct one. Dispute Status : The field stated in this letter requires investigation due to its inaccuracies. Kindly correct the credit report demonstrating that this field has been investigated. Creditor Type : It is imperative to investigate the incorrect field in question. Once your investigation is concluded, send an updated credit report reflecting the resolution. Account Status : As per the FTC, every piece of field information should be completely accurate, but this field seems off. The subsequent field requires immediate correction. Payment Status : According to CFPB guidelines, you are required to examine erroneous fields, and this field contains inaccurate information. I politely ask that you please verify your field information with solid proof. Otherwise, make the necessary adjustments. Comments : I contest the correctness and completeness of this field. Investigate and fix to ensure that the data is 100 % accurate. Payment Amount : This field, in my opinion, has a potential inaccuracy. This is the situation as a result of my assessment of your credit report as well as information from other bureaus. You need to look in your computer and rectify this error. I believe this is just a mistake. Date of Last Payment : My credit report has an incorrect entry. This data is not similar to other bureaus. Every step must be taken to ensure the information reported is completely accurate and correct. Past Due Amount : The field appears to have significant reporting issues that necessitate investigation. It is necessary to investigate this field and correct it. Credit Limit : This field was reported by the creditor ; however, I believe they made a mistake because this field displays inconsistently on my report. I urge you to resolve this and investigate it. 
XXXX XXXX : XXXX : Date of Last Activity : The data in this field contains multiple inaccuracies. The FTC mandates that you look into the matter. After you've finished your inquiry, please make the necessary adjustments. Date Reported : According to the legislation, the data in the field listed below must be completely accurate. Why does it vary amongst credit bureaus? I need you to look into and resolve this issue. Dispute Status : I dispute this field because other bureaus are reporting it correctly, but it is incorrect in your report. The following field must be properly corrected without any delay. Comments : The listing from the other bureaus and this field are not the same. The information must be entirely accurate and complete. If not, immediately address it. 
XXXX XXXX : XXXX : Date of Last Activity : A mistake appears to have been made in the field 's information. Please correct this once you have finished the investigation. Date Reported : The incorrect data in this field makes it misleading. Update, mend, and update this data. I'm done reiterating myself. Comments : On this field, inaccurate information is shown. Errors must be immediately addressed. 
XXXX XXXX XXXX XXXX  : XXXX : Date of Last Activity : I dispute the validity of this field on the grounds that the information is false. It is important to investigate mistakes and correct them. Kindly do so. Date Reported : The information given in this field is incorrect. Fix this problem and provide me an update, please. Comments : The field information on the credit report was incorrect, unlike the other bureau reports. Conduct an investigation, update the account in question, and provide feedback. 
XXXX : XXXX : Account : The field is inaccurate and not consistent with the fields from the other bureaus. Kindly proceed with the necessary investigation and amendment. High Balance : This field is problematic due to the way the data is reported. Rectify all errors. Date of Last Activity : I identified an error in the field. I am asking you to open an investigation into the matter and address the inaccurate information. Date Reported : This field 's information was not reported accurately or completely. You must check for accuracy and amend it, according to the law. Kindly get going. Date Opened : Can you confirm the accuracy of this field, as it appears flawed to me? This matter is causing concern. Please assist in correcting it. Balance Owed : The field data is not being reported in compliance with the law. Please modify the error on the credit report. Account Rating : I request the removal of this unverified field due to its misleading nature. I will wait until the results have been corrected. Account Description : The listings of the field in the report from other bureaus do not correspond. All of the information must be correct and clear. If not, fix it right away. Dispute Status : The field on my credit report is misleading as it does not report information accurately. Please correct this information on my credit report. Creditor Type : I require confirmation of the complete accuracy of the data provided for this field. This account must be fixed as soon as possible. Account Status : I challenge this field because, unlike other bureaus, your report isn't accurate. The following field requires suitable adjustment. Payment Status : Because of the inconsistencies in this field, I am worried that this will negatively impact my credit score. As soon as possible, please respond, conduct the necessary investigation, and adjust the incorrect field. Comments : Because the listed account does not exactly match the other bureau reports, it is erroneous. I'm hoping it will be sufficient to address the issue once the investigation is complete. Payment Amount : This field contains errors or is inconsistent. Please look into this issue and rectify the disputed item right away. I'm hoping your inquiry will make it simple for you to make the required adjustments. This error should not remain on my credit report, in my opinion. Date of Last Payment : Because of the inaccuracy of the information presented here, I am disputing the entry in this field. I think 30 days is a good time frame for your company to conduct the proper investigation and resolve the item on my report. Past Due Amount : A trade line with errors has been reported on my credit report. Investigate the inaccurate field and make corrections where necessary. Account Type : The Fair Credit Reporting Act mandates the investigation of this inaccurate field. Swiftly correct the mistake on my report, please. Credit Limit : Given that the information is not entirely correct, there may be an error in this field 's entry on my credit report. Please fix it as soon as possible. 
XXXX  inquiry : Get this inquiry off my credit report as I did not authorize it. This inaccurate inquiry should be purged and then send me an accurate report. XXXX inquiry : The creditor doesnt have permission. Get this inquiry off of my credit report. XXXX  inquiry : XXXX did not consult with me before pulling my report. Requesting for a deletion and an investigation.

Company response to consumer: Closed with non-monetary relief