Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I am filing this complaint because I have disputed a XXXX XXXX XXXX account ( Account XXXX. XXXX ) multiple times since XX/XX/XXXX, and despite these disputes, the information continues to be reported inaccurately across XXXX XXXX, and Equifax. 

After my initial dispute, the bureaus failed to correct or validate the information in a meaningful or lawful way. I subsequently submitted a follow-up dispute requesting specific details about the verification process, including the method of verification and the sources used to confirm the data. This is a right granted to me under the Fair Credit Reporting Act ( FCRA ), yet that request was ignored. I received no documentation or validation from the furnisher only updated credit reports that still contained false, misleading, and inconsistent information. 

After a third round of dispute, where I made it clear that the information being reported was inaccurate and could not be verified, the account was once again updated, not corrected or removed. The new updates not only failed to address the original concerns but introduced further contradictions. For example, Equifax reports this collection account as an open account, while simultaneously labeling it as 120 days past due and showing 24 months of OK payments which is factually and legally impossible. 

The date of last activity has changed across different reports without any new activity from me, which may constitute unlawful re-aging of the account. TransUnion now shows a Date Last Active of XX/XX/XXXX updated after my disputes while Equifax still reports a date from early XXXX. This is not only inaccurate but manipulative and harmful to my credit profile. XXXX XXXX has failed to validate the debt or provide consistent information to the bureaus, and the bureaus have failed to either verify or remove the account as required. 

Additionally, Equifax fails to report the original creditor ( XXXX XXXX XXXX  ), which violates the FCRAs requirement to furnish the full and accurate identity of the creditor involved. The data they are reporting is incomplete, unverifiable, and severely damaging to my credit. Also, Equifax now reports this as Open while still calling it a collection, which is a direct contradiction. Collections can not be open revolving/loan accounts. 

At this point, XXXX XXXX XXXX and the three major credit bureaus have violated several provisions of the FCRA, including but not limited to : FCRA 607 ( b ), by continuing to report inaccurate and conflicting information knowingly ; FCRA 611 ( a ), by failing to conduct a proper reinvestigation of my disputes ; FCRA 623 ( a ) ( 1 ) ( A ), by furnishing knowingly false or unverifiable information ; FCRA 609 ( a ) ( 1 ), by failing to identify the original creditor ; FCRA 605 ( c ), by re-aging the debt after disputes without legitimate cause. 

This entire process has been injurious, deceptive, and negligent. I have made every good-faith effort to resolve the issue directly with the credit bureaus and the data furnisher, but I have been met with repeated noncompliance and dismissive updates that do not address the fundamental legal errors. 

I am now asking the CFPB to intervene and require the immediate deletion of this account from all three credit bureaus. I am also requesting an investigation into the data furnisher and reporting agencies for their ongoing and willful noncompliance with federal consumer protection laws. 

Supporting screenshots are available that show the discrepancies before and after each dispute. I respectfully ask the CFPB to take enforcement action and hold these parties accountable for their failure to uphold their legal duties under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation