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: MO

Complaint narrative:
This complaint is submitted after an extensive dispute history with Equifax Experian and TransUnion and follows multiple written disputes and prior CFPB complaints that clearly identified material inaccuracies unlawful reporting practices and systemic reinvestigation failures. Despite being placed on repeated notice each bureau continued to publish and re certify data that is internally contradictory incomplete and legally unverifiable. 

The latest dispute letters document a pattern that is impossible to reconcile under any lawful accuracy standard. The same accounts are reported with conflicting account statuses open closed and charged off at the same time different balances for the same alleged obligations mismatched dates opened last activity and last payment and contradictory payment histories that can not logically coexist. These are not minor clerical issues. They are material defects that directly impact credit scoring underwriting decisions and financial access. 

Several accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reported with data fields that directly contradict one another across bureaus. For example accounts are shown as current while also displaying severe delinquency histories accounts are marked closed while balances continue to increase and duplicate collection tradelines are reported for the same alleged debt under different account numbers and statuses. Metro2 requires consistency across core data fields. These reports fail that requirement entirely.

In multiple instances the bureaus report duplicate XXXX XXXX tradelines that clearly represent the same alleged obligation yet are split into separate derogatory entries with different balances dates and statuses. This practice artificially amplifies negative impact and is a direct violation of the duty to maintain maximum possible accuracy. No reasonable reinvestigation could conclude that these entries are accurate when they directly conflict with one another. 

The bureaus have also failed to provide any lawful method of verification as required under 15 USC 1681i. Generic statements that items were verified without documentation without identifying the source of verification and without reconciling the contradictions do not meet reinvestigation standards. The continued recycling of the same inaccurate data after disputes demonstrates a reliance on automated or third party processes rather than a meaningful investigation.

In addition incorrect personal identifiers including names addresses employers and unauthorized inquiries remain on file despite multiple disputes. Incorrect personal information increases the risk of mixed files and improper account association and directly undermines the reliability of the entire credit report. The presence of these errors further confirms that the bureaus are not maintaining reasonable procedures to assure accuracy. 

As a result of these actions I have experienced credit denials higher interest rates restricted financial opportunities and ongoing emotional distress. The damage is compounded by the fact that I have exhausted normal dispute channels and escalated through the CFPB yet the same inaccurate data continues to be published.

Company response to consumer: Closed with explanation