Consumer complaint received 2025-12-15 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: DC

Complaint narrative:
This CFPB complaint is a continuation and escalation based on my most recent three bureau dispute letters and the unresolved outcome of my prior CFPB complaint regarding inaccurate late payment reporting. Despite being placed on clear written notice and despite the detailed evidence I provided, Equifax Experian and TransUnion have continued to report derogatory late payment information that is inaccurate internally inconsistent and unverifiable. 

I submitted formal disputes to all three credit bureaus challenging late payment reporting on the following open and active accounts XXXX XXXX XXXX Card and XXXX XXXX XXXX. In those dispute letters I did not make general claims. I provided side by side bureau comparisons that clearly show Metro2 data conflicts across Equifax Experian and TransUnion. 

For the XXXX XXXX account one bureau reports the account as current with no past due balance while the other bureaus report the same account as sixty days late with a past due amount. The balances dates last active dates of last payment and delinquency histories do not align. An account can not legally be both current and delinquent at the same time. This is not a clerical error. It is a failure of accuracy. 

For the XXXX XXXX account the account is reported as open active and current across all bureaus yet negative late payment history remains attached. If the account is current and paid as agreed the continued reporting of historical lates must be supported by precise verified records. No such records have been provided. The bureaus have continued to publish derogatory history without producing any billing statements payment ledgers or transaction level documentation to prove that the late payments occurred as reported. 

For the XXXX XXXX XXXX account all three bureaus report severe delinquency yet they can not agree on core fields including dates opened dates last active dates of last payment and the structure of the lease itself. These contradictions violate Metro2 reporting logic and render the data unreliable by definition. 

In my prior CFPB complaint the credit bureaus responded with generic explanations stating that they contact furnishers and accept furnisher responses. That response does not address the core violations. Repeating furnisher claims without reconciling cross bureau inconsistencies is not a reasonable reinvestigation under the law.

Additionally one bureau responded in the prior CFPB matter by suggesting potential fraud while still continuing to report the disputed data. If there is a risk of fraud or identity compromise that alone undermines the reliability of the file and increases the obligation to ensure maximum possible accuracy. Continuing to report unverified derogatory data under those circumstances is reckless. 

At no point have the bureaus provided a lawful method of verification. No original signed agreements no complete payment histories no timestamped transaction records and no explanation of how conflicting Metro2 fields were resolved. Instead they continue to rely on automated systems and form responses. 

This ongoing reporting has caused real and continuing harm. Late payments on open accounts are heavily weighted in FICO scoring models. These inaccuracies have suppressed my credit scores limited my access to favorable credit terms and caused significant stress and disruption to my financial life. I have acted in good faith at every stage. The credit bureaus have not.

Company response to consumer: Closed with non-monetary relief