Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
This is my fourth dispute regarding inaccurate and unverifiable late payment reporting on my open accounts. Your repeated verified as accurate responses without providing documented proof demonstrate willful noncompliance with the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( b ), 611, and 623, as well as Metro 2 reporting standards.

These accounts are active and in good standing, yet you continue to publish false, conflicting, and damaging late payment history. This reckless reporting harms my credit and violates federal law. I am demanding immediate correction so that each account reflects Pays As Agreed, with all late payment remarks permanently deleted. 

XXXX XXXX XXXX I am disputing the XXXX XXXXXXXX account because it is being reported with false and unverifiable late payment history in violation of FCRA 607 ( b ), 611, and 623, as well as Metro 2 reporting standards. The account is open, current, and in good standing. However, Equifax, Experian, and TransUnion are all reporting different late payment histories, including 30-, 60-, and 90-day late notations that are inconsistent and unverifiable. 

These remarks are damaging, misleading, and do not reflect the true current status of the account. I demand immediate correction of this tradeline to accurately reflect Pays As Agreed, with all late payment remarks permanently deleted. If you can not verify these late payments with documented evidence, they must be removed in full compliance with the law. Continuing to publish this false payment history after repeated disputes constitutes willful noncompliance. Failure to correct this account will result in escalation with the CFPB, FTC, and my State Attorney General. 

XXXX XXXXXXXX I am disputing the XXXX XXXX account because it is being reported with inaccurate and unverifiable late payment history in violation of FCRA 607 ( b ), 611, and 623, as well as Metro 2 reporting standards. Equifax, Experian, and TransUnion are each reporting different balances, past due amounts, and late payment histories. One bureau shows 120 days late, another shows 90 days late, and the reported past due amounts do not match. 

These contradictions make the data unverifiable and misleading. The account is open and active, yet you continue to publish derogatory late payment remarks that are inconsistent and damaging. Continuing to report this false data after prior disputes demonstrates willful noncompliance and disregard of my consumer rights. I demand immediate correction of this tradeline to reflect Pays As Agreed, with all late payment remarks permanently deleted. 

If you can not provide documented proof of accuracy for the reported late payments, they must be deleted immediately. Failure to comply will result in escalation with the CFPB, FTC, and my State Attorney General. 

XXXX XXXX XXXX I am disputing the XXXXXXXX XXXX account because it is being reported with false and unverifiable late payment history in violation of FCRA 607 ( b ), 611, and 623, as well as Metro 2 reporting standards. Equifax, Experian, and TransUnion are each reporting different late payment notations, including 30- and 60-day lates.

These contradictions make the payment history inconsistent, inaccurate, and unverifiable. The account is open, active, and current, yet you continue to publish derogatory late payment remarks that are misleading and harmful. I demand immediate correction of this account to reflect Pays As Agreed, with all late payment remarks permanently deleted. 

If you can not provide documented proof of accuracy for the reported lates, then the remarks must be deleted immediately. Failure to comply will result in escalation with the CFPB, FTC, and my State Attorney General. 

You have failed in your legal obligation to conduct a reasonable investigation. If you continue to ignore my rights and publish false data, I will escalate with the CFPB, FTC, and my State Attorney General and pursue legal action for damages caused by your willful noncompliance. 

I expect full correction and confirmation within 15 days of receipt of this letter. 

Permanent Deletion Demands I am demanding immediate and permanent deletion of the following tradelines from my credit reports. These accounts are reported inaccurately, inconsistently, and in direct violation of Metro 2 standards and the Fair Credit Reporting Act ( FCRA ). After repeated disputes, you have willfully failed to conduct proper reinvestigation under 15 U.S.C. 1681i. 

Your continued furnishing of false and misleading information is unlawful. Because I was directly impacted by the Equifax national data breach, your obligations to ensure accuracy and protect my file are even greater. Instead, you have disregarded those obligations. 

XXXX XXXX XXXX I am disputing the XXXXXXXX XXXX account because it is reported with inaccurate, inconsistent, and unverifiable information in violation of FCRA 607 ( b ), 611, and 623, along with Metro 2 reporting standards. Equifax shows the account as disputed and current, Experian reports it as 30 days late, and TransUnion shows current but closed. 

These contradictions prove the data is not accurate, consistent, or verifiable. The account shows a XXXX balance but continues to carry a negative rating, which is misleading and punitive. This account has already been closed and paid with a XXXX balance, yet you continue to publish derogatory notations. 

Continuing to report these inaccuracies after multiple disputes amounts to willful noncompliance and reckless disregard for my consumer rights. I demand permanent deletion of this account from my credit file. If you fail to delete this account, I will escalate by filing complaints with the CFPB, FTC, and my State Attorney General, and pursue all remedies available under the law. 

XXXX XXXX XXXXXXXX I am disputing the XXXX XXXX account because it is reported with false, conflicting, and unverifiable information in violation of FCRA 607 ( b ), 611, and 623, along with Metro 2 reporting standards. Equifax, Experian, and TransUnion each report different details, including balance history, charge-off comments, and payment status. 

One bureau lists the account as charged off, another as closed due to inactivity, and another as canceled by creditor. The late payment histories also conflict across bureaus. These contradictions make the information inaccurate, inconsistent, and unverifiable. 

The account reflects a balance of {$1100.00} with derogatory status, even though it is closed. Reporting a closed account as a charge-off with inconsistent comments is misleading and harmful. Continuing to publish this data after repeated disputes amounts to willful noncompliance and reckless disregard of my rights. 

I demand permanent deletion of this account from my credit file. If you can not prove the accuracy and completeness of this data with verifiable documentation, then you must delete it immediately. Failure to comply will result in escalation with the CFPB, FTC, and my State Attorney General. 

XXXX XXXX XXXX I am disputing the XXXX XXXX account because it is reported with multiple inaccuracies and unverifiable information in violation of FCRA 607 ( b ), 611, and 623, as well as Metro 2 reporting standards. Equifax, Experian, and TransUnion all show this account as a charge-off or collection, yet they each report different balances, past-due amounts, and late payment histories. 

These contradictions prove the information is not accurate or consistent, and therefore it can not be verified. The account is closed with a balance reported as past due, which is misleading and punitive. This account has already been reported for longer than the period allowed under FCRA 605 ( a ), and the data being furnished continues to be incomplete and inconsistent. 

Continuing to report this account after multiple disputes amounts to willful noncompliance and reckless disregard of my consumer rights. I demand the permanent deletion of this account from my credit file. Failure to delete it will result in escalation with the CFPB, FTC, and my State Attorney General, including legal action if necessary. 

XXXX XXXX XXXX XXXXXXXX I am disputing the XXXX XXXX XXXX account because it is reported with false, conflicting, and unverifiable data in violation of FCRA 607 ( b ), 611, and 623, along with Metro 2 reporting standards. Equifax, Experian, and TransUnion each report different details for this account, including conflicting late payment history, balance dates, and charge-off comments. 

One bureau reports it as charged off, another as closed due to inactivity, and another as canceled by the creditor. These contradictions prove the data is not accurate, consistent, or verifiable. The account shows a high balance of {$6700.00} with derogatory notations, yet the reporting is not uniform across all bureaus. 

This reckless and inconsistent reporting harms my credit standing and violates my consumer rights. I demand the permanent deletion of this account from my credit file. If you can not prove this data is 100 % accurate, consistent, and verifiable, then under federal law it must be deleted immediately. Continued willful noncompliance will force me to escalate with the CFPB, FTC, and my State Attorney General. 

Incorrect Personal Information Incorrect Name XXXX XXXX : This is my second demand for removal of incorrect personal information that you continue to report. Under 15 U.S.C. 1681a, you are required to ensure the accuracy of consumer data. These discrepancies create false associations with accounts and credit activity that are not mine. I demand immediate deletion of all incorrect entries or I will escalate this further. DELETE this now. 

Incorrect Date of Birth XX/XX/scrub>XXXX  : This is my second demand for removal of incorrect personal information that you continue to report. Under 15 U.S.C. 1681a, you are required to ensure the accuracy of consumer data. These discrepancies create false associations with accounts and credit activity that are not mine. I demand immediate deletion of all incorrect entries or I will escalate this further. DELETE this now. 

Incorrect Address XXXX XXXX XXXX XXXX, XXXX, CA XXXX : This is my second demand for removal of incorrect personal information that you continue to report. Under 15 U.S.C. 1681a, you are required to ensure the accuracy of consumer data. These discrepancies create false associations with accounts and credit activity that are not mine. I demand immediate deletion of all incorrect entries or I will escalate this further. DELETE this now. 

Additionally, because I am a documented victim of the Equifax national data breach, these credit bureaus have an even higher duty to ensure the accuracy, integrity, and protection of my personal credit file. Their continued mishandling and willful disregard of these obligations constitute gross negligence and violation of my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief