Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint because Equifax, Experian, and TransUnion continue to publish false and unverifiable late payment data regarding my XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Account # XXXX ) accounts, despite my formal written disputes, detailed documentation, and demand for reinvestigation. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and XXXX XXXX data reporting standards. 

I submitted multiple certified disputes dated XX/XX/XXXX, which clearly outlined inconsistencies, billing errors, and missing verification proof across all three bureaus. The data being reported is inconsistent, incomplete, and demonstrably unverifiable according to each bureaus own records. 

XXXX. XXXX XXXX Account # XXXX This account is being falsely reported as XXXX  days late for XXXX and XX/XX/XXXX by both Equifax and TransUnion, while Experian correctly reports the account as current and open. The account reflects a {$0.00} past-due balance and on-time payments, yet Equifax and TransUnion continue to show delinquencies.

No billing statements, payment confirmations, or timestamped documentation have ever been produced by either bureau or the furnisher. Reporting XXXX lates on an active account with a {$0.00} past-due balance is a direct violation of FCRA 1681e ( b ) ( maximum possible accuracy ) and 611 ( a ) ( 1 ) ( A ) ( duty to reinvestigate disputed data ). 

Further, XXXX XXXX Format 2.3.1.2 requires all open accounts to reflect identical, verified payment histories across repositories. The existence of conflicting data proves a failure of uniform reporting and a breach of federal compliance standards. Continuing to report unverifiable delinquencies after formal notice of dispute qualifies as willful non-compliance under 1681n. 

XXXX. XXXX XXXX Account # XXXX This account is falsely being reported with a XXXX late payment for XX/XX/XXXX on Experian and TransUnion, while Equifax accurately lists the account as current and paid on time. The account has never shown any missed payments, and there is no past-due balance on file.

Neither the bureaus nor the furnisher have provided any billing statements, ledger records, or transaction histories to substantiate the alleged late payment. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted immediately, and continuing to report it violates both FCRA 1681e ( b ) and XXXX XXXX uniformity rules.

Publishing a false delinquency on an active account constitutes billing misrepresentation under TILA 1666 ( b ) and data fabrication, since the same account is simultaneously reported as current and delinquent depending on the bureau.

3. Failure to Investigate and Pattern of Automated Responses Each bureau has issued generic verified as accurate form letters without providing a Method of Verification, which is explicitly required under FCRA 611 ( a ) ( 7 ). I included clear documentary evidence in each dispute, including copies of current billing statements, yet none were considered or referenced in the bureaus responses.

Additionally, my attached Notice of Warning for Any Delay in Processing referenced 15 U.S.C. 1681i, advising that no bureau has the legal authority to delay or dismiss disputes based on an assumption of third-party involvement. Despite this, I have reason to believe that the bureaus delayed processing my letters, which constitutes a willful disregard of my rights under federal law.

4. Data Integrity and Breach Concerns I also included documentation confirming my personal information was compromised in the Equifax Data Breach Settlement. Because of this breach, any continued reliance on unverified or mismatched data reflects a negligent disregard for consumer data accuracy in violation of FCRA 607 ( b ).

Harm and Consequences These reporting errors have caused significant harm to my creditworthiness, including : Lowered FICO scores due to false delinquencies.

Denied or delayed credit applications.

Emotional distress, reputational harm, and financial loss due to inflated interest rates.

The repeated publication of unverifiable negative dataafter notice of dispute and documentationdemonstrates a pattern of reckless disregard for compliance and accountability.

Company response to consumer: Closed with non-monetary relief