Consumer complaint received 2025-11-09 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: VA

Complaint narrative:
This complaint is in reference to CFPB Complaint # XXXX concerning Equifaxs inaccurate and unverifiable reporting of the XXXX XXXX XXXX XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX  on my credit file. 

Equifaxs response dated XX/XX/XXXX indicates that the company verified that this item belongs to you and that additional information has been provided from the original source. Equifax also stated that certain fields such as Scheduled Payment, Additional Information, and Account History were modified. However, these modifications do not correct the underlying factual inaccuracies or address the inconsistent reporting across credit bureaus.

Equifaxs actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations Identified XXXX. Failure to Assure Maximum Possible Accuracy FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Equifax continues to report data that is inconsistent with TransUnion and Experian despite being notified of multiple discrepancies, including different Date of Last Payment, Date Last Active, and Payment History records. 

Updating select fields without resolving these inconsistencies does not meet the FCRAs maximum accuracy requirement. 

XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) requires that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes information.

Equifaxs generic statement that the account belongs to you does not verify the accuracy of the data reported. Ownership alone does not prove that the information being furnished is correct or complete. 

The reinvestigation failed to verify the accuracy of critical fields, such as the balance exceeding the high credit, inconsistent dates of activity, and conflicting payment histories. 

XXXX. Failure to Report Accurate Delinquency and Activity Dates FCRA 623 ( a ) ( 5 ) requires data furnishers to report the correct date of first delinquency and activity to ensure proper calculation of the seven-year reporting period under FCRA 605 ( c ). 

Equifaxs reporting of XX/XX/XXXX as both the Date Last Active and Date of Last Payment conflicts with other bureaus reporting XX/XX/XXXX and XX/XX/XXXX, making the data unverifiable and misleading. 

XXXX. Failure to Delete Unverifiable or Inaccurate Information FCRA 611 ( a ) ( 5 ) ( A ) mandates that if disputed information can not be verified, the credit reporting agency must promptly delete it from the consumers file. 

Equifax has not provided any verifiable proof of accuracy, only a statement that additional information was provided by the furnisher. Without supporting documentation or validation, continued reporting of this tradeline is unlawful. 

Supporting Facts Creditor : XXXX XXXX XXXX, XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date of Equifax Response : XX/XX/XXXX Original CFPB Complaint # : XXXX Equifax acknowledged modifying key reporting fields but failed to provide documentation validating those modifications or verifying the accuracy of the account data. 

Requested Action I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) require Equifax to : XXXX. Immediately delete the XXXX XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX from my credit report for failure to meet the accuracy and reinvestigation requirements of the FCRA. 

XXXX. Provide written confirmation of the deletion within 30 days. 

XXXX. Conduct an internal compliance review to prevent similar violations of FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 5 ) in future reinvestigations.

Applicable FCRA Sections 607 ( b ) : Maximum possible accuracy requirement 611 ( a ) : Reasonable reinvestigation requirement 611 ( a ) ( 5 ) ( A ) : Deletion of unverifiable information 623 ( a ) ( 5 ) : Duty to accurately report date of delinquency 605 ( c ) : Regulation of the XXXX reporting period In summary : Equifaxs own admission that it modified account data demonstrates that the prior reporting was inaccurate. Because Equifax has failed to verify the corrected information with documented evidence and continues to report inconsistencies, I am requesting the immediate deletion of this tradeline as required under the FCRA.

Company response to consumer: Closed with explanation