Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies have willfully and negligently published false and unverifiable derogatory information on my credit profile, despite prior disputes and multiple notifications. I have experienced serious and ongoing harm because of inaccurate reporting across Equifax, Experian, and TransUnion. 

After carefully reviewing all three reports, I discovered several tradelines being reported with false late payments and conflicting data that violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) and 1681i ) and Metro 2 reporting standards. The following items are at issue XXXX XXXX XXXX Account # XXXX Each bureau lists this account as negative with a 30-day late notation despite showing a consistent Current payment status, no past due balance, and an open, active loan with on-time payments. There is no timestamped payment ledger, original billing statement, or documented proof verifying any delinquency. The bureaus verified by furnisher response is not lawful verification under 1681i ( a ) ( 6 ) ( B ) ( iii ). The inconsistent 30-day code violates Metro 2 data integrity standards requiring uniformity across the Account Status, Payment Rating, and Compliance Condition Code fields. I demand this account be updated to Open {$390000.00} Pays as Agreed / Current or permanently deleted from all three bureaus for failure to verify. 

XXXX XXXX  Account # XXXX This account is open and current, with a balance of {$6500.00} and a high limit of {$6600.00}. However, all three bureaus inaccurately classify it as negative with a 30-day late payment despite showing Current status and XXXX past due balance. There is no verifiable documentation or lawful proof of any late payment. Each bureaus reporting is internally inconsistent and violates 1681e ( b ) and 1681i. The same consumer disputes reinvestigation in progress remark has appeared repeatedly without valid resolution. Because no original business records have ever been produced, I demand permanent deletion of the derogatory 30-day late code and correction of the tradeline to Open Current Pays as Agreed. 

XXXX XXXX Educational Loans Multiple Accounts Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Each of these student loan accounts is fully closed and paid in full with a XXXX balance. Yet TransUnion continues to report false 90-day late codes, while both Equifax and Experian correctly report them as current or positive. A closedXXXX XXXXbalance account can not legally carry any delinquency. Reporting a 90-day late on such accounts violates FCRA 1681e ( b ) ( maximum possible accuracy ), 1681i ( reasonable reinvestigation ), and Metro 2 standards requiring data uniformity. No bureau or furnisher has produced the original payment ledger, timestamped documentation, or authentic verification of any alleged delinquency. Each one must be corrected to Closed {$0.00} Balance Pays as Agreed/ Paid as Agreed or permanently deleted. Continuing to publish unverifiable or conflicting information after formal notice constitutes willful noncompliance under 1681n and negligent harm under 1681o.

All of these items show an unmistakable pattern of systemic reporting failures, inconsistent data across bureaus, and willful disregard for federal law and Metro 2 data integrity rules. The same tradelines have been disputed multiple times, and each bureau continues to provide incomplete, boilerplate responses instead of documentary proof as required by law. This behavior demonstrates deliberate indifference to accuracy and lawful reinvestigation obligations.

I have been directly impacted by these inaccuracies through score suppression and financial injury. The continued publication of unverifiable, inconsistent, or outdated data is not just an error it is willful noncompliance. I demand that CFPB order permanent deletion of each unverifiable derogatory item and confirmation in writing that these false derogatory marks have been deleted from all credit files and resellers. 

If no verifiable original business records exist, the only lawful resolution is permanent deletion under 15 USC 1681i ( a ) ( 5 ) ( A ). I request immediate enforcement action compelling the bureaus and furnishers to comply fully with federal law.

Company response to consumer: Closed with non-monetary relief