Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Legal Analysis of FCRA Violations Mycredit reports contain clear evidence of multiple violations of my federally protected rights. The core issues stem from the bureaus ' failure to ensure the accuracy and integrity of the information they maintain and disseminate.

1. Violation of Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) / FCRA 607 ( b ) ) This statute requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of the information. '' Why it's a violation : The reports contain demonstrably inaccurate and confusing information. The XXXX account is simultaneously listed with a status of " Charge Off '' for several months before being updated to " Repossession ''. This is illogical and misleading ; a charge-off is an accounting action, while a repossession is a physical event. Reporting both concurrently for the same period fails the maximum accuracy standard. Furthermore, the XXXX XXXX XXXX debt is reported as two separate accounts on both bureaus, indicating fragmented and potentially duplicative reporting of a single original debt, which is inherently confusing and inaccurate.

2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i / FCRA 611 ) Upon receiving a dispute, a CRA must conduct a reasonable reinvestigation and delete any information found to be inaccurate, incomplete, or unverifiable.

Why it's a violation : The consumer has stated that prior investigations failed to resolve his issues. This is corroborated by the presence of two XXXX XXXX accounts on both reports that are explicitly marked with the notation " Consumer Disputes This Account Information '' or " Account information disputed by consumer ( FCRA ) ''. The continued presence of these accounts without resolution is strong evidence that the bureaus prior reinvestigations were unreasonable and failed to comply with the FCRA. 
XXXX. Reporting of Outdated Negative Information ( 15 U.S.C. 1681c / FCRA 605 ) This law prevents CRAs from reporting negative information that is more than seven years old. The clock starts from the date of the first missed payment that led to the delinquency. 
Why it's a violation : The XXXX account on the TransUnion report has an " Estimated month and year this item will be removed '' of XXXXXXXX. However, the date of the first delinquency on this account is reported by Equifax as XX/XX/year>. The seven-year reporting period should end around XX/XX/year>. While the removal date is close, any reporting beyond the strict seven-year limit is a violation. More importantly, TransUnions own payment history shows the initial 30-day late payment occurred in XX/XX/year>, which would place the removal date even earlier. This inaccurate removal date must be challenged. 
Violations by Credit Bureau Here is a specific breakdown of the inaccuracies on each of XXXX XXXX XXXX 's credit reports. 
Equifax Violations * XXXXXXXX XXXX XXXX ( Acct # XXXX ) : Reports a confusing and contradictory history, listing the account as a " Charge Off '' for several months before changing the status to " Repossession ''. This is misleading and fails the maximum accuracy standard. 
* XXXX XXXX XXXX ( Acct # XXXX & another ) : This debt is reported as two separate " Debt Buyer '' accounts, one for {$780.00} and another for {$3700.00}. This fragmented reporting is inaccurate and fails to properly identify the single original creditor. 
* * XXXX XXXX ( Acct # XXXX & XXXX ) : These two collection accounts remain on the report with the notation " Consumer Disputes This Account Information '', indicating a prior dispute was filed but the accounts were not verified or deleted, constituting an unreasonable reinvestigation. 
* XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) : A collection account for a utility debt with XXXX XXXX XXXX, which may be inaccurate or unverified. 
TransUnion Violations * XXXX  ( Acct # XXXX ) : Reports the same confusing charge-off/repossession history as Equifax. Crucially, it lists an " Estimated month and year this item will be removed '' of XXXX/XXXX, which is potentially beyond the seven-year legal reporting limit from the date of first delinquency. 
XXXX XXXX XXXX XXXX  ( Acct # XXXX & XXXX ) : Reports two separate collection accounts originating from XXXX XXXX XXXX XXXX  ''. This is fragmented reporting of what is likely a single original debt. 
* XXXX XXXX XXXX XXXX  ( Acct # XXXX & XXXX ) : These two accounts remain on the report and are marked as disputed by the consumer, indicating a failed or unreasonable reinvestigation. 
Inconsistent Personal Information : The file lists numerous addresses and employers not present on the Equifax report, indicating the file may be outdated or commingled.

Company response to consumer: Closed with explanation