Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because multiple furnishers and credit bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA 611, 609 ) and Metro 2 data-furnishing standards. It has been more than 30 days since I disputed several inaccurate and unverifiable items appearing on my Experian, Equifax, and TransUnion reports. I have not received a single investigation result, validation notice, or updated credit report from any of the three bureaus or from the creditors/collectors reporting these items.

Under the FCRA, the bureaus are required to conduct a reasonable reinvestigation and provide the results within 30 days of receiving a dispute. Under Metro 2 guidelines, furnishers must verify account status, ownership, payment history, and dates with complete accuracy. None of that has occurred. 

XXXX XXXX ( XXXX ) reporting as an open collection since XX/XX/XXXX Still marked XXXX / 120 Days Late. 
No validation, contract, or ownership chain ever provided. 
Violations : inaccurate status ( open collections can not exist under Metro 2 ), no proof of notice of debt, failure to provide itemization, continued reporting after dispute. 
XXXX. XXXX XXXX ( XXXX ) duplicate account for the same debt Appears on multiple bureaus as both closed and open, violating XXXX XXXX consistency standards. 
No evidence of assignment or ownership provided. 
Reporting duplicate tradelines is misleading and damages my credit score. 
XXXX. XXXX XXXX ( XXXX ) listed as collection/charge-off Furnisher failed to validate the debt or provide consumer notice before reporting. 
Dates of activity conflict between Experian and Equifax ( XX/XX/XXXX vs XX/XX/XXXX ). 
Violation : inaccurate reporting across bureaus, no proof of ownership, no notice of collection. 
XXXX. XXXX XXXX ( XXXX ) listed as collection/charge-off Reported as both closed and open. 
No documentation or validation has been received after 30 days. 
Violation : failure to verify per FCRA 611 ; failure to ensure data integrity per Metro 2.

5. OFFICE OF THE ATTORNEY GENERAL ( XXXX ) showing XXXX late payment on a {$49.00} balance No documentation of delinquency or proof that I was notified. 
Other versions of the same account report as current and paid, which indicates outdated or inaccurate information. 
Violation : reporting contradictory information without basis violates Metro 2 accuracy and FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX ( XXXX ) mortgage tradeline reporting inconsistent late history Payment history conflicts across bureaus : Experian shows XX/XX/XXXX lates, while Equifax and TransUnion mark the account current. 
Dispute code Consumer disagrees appears, yet bureau continues to report derogatory codes.

Violation : failure to maintain uniform reporting under Metro 2 ; improper reinsertion after dispute.

FCRA 611 ( a ) ( 1 ) ( A ) : The bureaus must reinvestigate disputed information and provide written results within 30 days.

FCRA 611 ( a ) ( 5 ) : If information can not be verified, it must be deleted from all consumer reports.

FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher may not report information it knows or has reasonable cause to believe is inaccurate.

FCRA 609 ( a ) ( 1 ) : The consumer has the right to request all sources and evidence of information reported.

Metro 2 Reporting Standards : Require consistency across bureaus in account status, dates opened/closed, and payment history ; duplicate reporting and mixed account statuses are prohibited.

Company response to consumer: Closed with explanation