Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax , Experian, and TransUnion regarding the continued reporting of materially inaccurate, contradictory, incomplete, misleading, and unverifiable information on my consumer credit reports despite formal disputes submitted to each bureau. I submitted detailed factual XXXX XXXX disputes identifying multiple reporting defects, contradictory account conditions, inaccurate personal identifying information, defective payment status coding, unsupported derogatory reporting, incomplete payment histories, inaccurate balance calculations, and inconsistent account chronology reporting. The bureaus continue to publish information that fails to comply with the Fair Credit Reporting Act ( FCRA ), including the requirement to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ), conduct a reasonable reinvestigation under 15 U.S.C. 1681i, and ensure furnishers report accurate information under 15 U.S.C. 1681s-2. The inaccurate reporting involves the following accounts : XXXX Account Ending in XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX Account Ending in XXXX In addition to the tradeline inaccuracies, all three credit bureaus are reporting inaccurate personal identifying information associated with my file, including incorrect addresses, inaccurate name variations, inaccurate employer information, and inconsistent identifying data. These inaccuracies raise serious concerns regarding mixed-file contamination, defective file matching procedures, and unreliable consumer identification protocols. The bureaus are reporting inaccurate addresses and name variations including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Incorrect employer associations including XXXX XXXX XXXXXXXX, and XXXX My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX These identifying inaccuracies directly undermine the integrity and reliability of the entire consumer file and every associated tradeline. The XXXX account ending in XXXX contains multiple contradictory reporting conditions across all three bureaus. The account has been reported simultaneously as a deferred student loan, a collection account, an other account type, and a closed account while also reflecting active derogatory collection behavior. The account reports a balance of {$2200.00} while simultaneously reporting the entire balance as past due. The account also reflects missing Date Last Active information, missing Date of Last Payment information, inconsistent account classification coding, and defective delinquency chronology. Equifax additionally reports a Date Last Active of XX/XX/XXXX while simultaneously reporting a Date Opened of XX/XX/XXXX, which is impossible because an account can not become active before it was allegedly opened. This defective chronology materially undermines the reliability of the tradeline itself. Experian reports the account as closed while simultaneously reporting collection activity and an UnknownLoanType classification. TransUnion reports the account as a deferred student loan while simultaneously coded under account type Other, closed account status, collection payment status, full-balance delinquency, and missing payment activity dates. These conditions can not all be factually accurate at the same time. The XXXX XXXX account ending in XXXX also contains materially defective and contradictory reporting. The account reports balances substantially exceeding the original high credit amount without explanation or accounting support. Equifax reports a balance of {$3500.00} while simultaneously reporting a high credit/original amount of only {$2000.00}. Experian and TransUnion report high credit amounts of {$2200.00} while still reporting a balance of {$3500.00}. The account is also reported simultaneously as : Open and in collection Closed and severely delinquent Charged off while remaining open Full balance past due Missing Date of Last Payment Active collection status with incomplete payment history The bureaus are simultaneously reporting severe derogatory conditions, collection activity, charge-off language, and inconsistent account status coding that materially conflicts with XXXX XXXX reporting standards. The XXXX account ending in XXXX contains similar contradictions and inaccuracies. The account is reported as closed while simultaneously reporting collection payment status, full balance delinquency, charge-off comments, and inconsistent payment coding. The account also reports balances exceeding the original high credit amount. Experian reports the account as Pays As Agreed while simultaneously reporting the full balance as past due and reflecting derogatory delinquency history and charge-off comments. Equifax and TransUnion report active collection behavior, charge-off conditions, missing payment dates, incomplete payment history information, and contradictory account conditions. These reporting conditions are materially misleading and can not all coexist accurately. I specifically disputed numerous XXXX XXXX fields including but not limited to : XXXX Account Type XXXX High Credit / Original Amount XXXX Account Status XXXX Payment Status XXXX Current Balance XXXX Amount Past Due XXXX Date of Last Payment Delinquency chronology Collection coding Charge-off reporting conditions Terms reporting Date Last Active reporting Despite these detailed factual disputes, the credit bureaus appear to have relied on superficial automated verification methods rather than conducting the reasonable investigation required by federal law. I specifically informed the bureaus that generic XXXX responses and automated confirmations do not satisfy the FCRA requirement to conduct a lawful and reasonable reinvestigation into disputed information. The continued reporting of contradictory, unverifiable, incomplete, and inaccurate information has caused ongoing harm to my credit profile, reputation, and financial standing. The reporting fails to satisfy the FCRA requirement for maximum possible accuracy and demonstrates defective XXXX XXXX compliance procedures and unreliable reporting integrity standards. I am requesting CFPB intervention because the credit bureaus and furnishers continue publishing inaccurate information that they can not properly substantiate with competent documentary evidence.

Company response to consumer: Closed with non-monetary relief