Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am filing a formal complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Equifax is reporting inaccurate, misleading, and incomplete information on my credit file errors that have caused me to be denied housing. I have 15 days before becoming homeless as a direct result of these uncorrected inaccuracies. 

Disputed Tradelines : XXXX. XXXX XXXX Account # XXXX XXXX. Resurgent Receivable Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. Financial Assistance Account # XXXX Basis of Complaint : Equifax has violated its obligations under : FCRA 611 ( 15 U.S.C. 1681i ) Failing to conduct a reasonable reinvestigation and correct or delete inaccurate information within the required 30 days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failing to follow reasonable procedures to assure maximum possible accuracy.

Metro 2 Reporting Guidelines Furnishers and credit reporting agencies must comply with industry reporting standards, including proper use of Base Segment Field 25 ( Date of First Delinquency ), Account Status, Payment Rating, Portfolio Type, and XXXX Segment reporting. 

Upon reviewing these accounts, I identified multiple violations of XXXX XXXX guidelines. The XXXX is not properly reported, status and rating segments are inaccurate, and the accounts contain structural reporting discrepancies. This results in false, outdated, or incomplete information remaining on my credit report.

Equifaxs continued failure to fix these reporting errors violates its duty to maintain data accuracy. These are not subjective disputes they are objective Metro 2 compliance violations.

Pattern of Negligence : This is not an isolated incident. In XX/XX/XXXX, the Consumer Financial Protection Bureau fined Equifax {$15.00} XXXX for mishandling consumer disputes and ignoring documentation, mirroring what I have experienced. Equifax has also faced recent lawsuits and regulatory actions for poor data handling and noncompliance with accuracy standards. 

Additionally, I was impacted by the XXXX Equifax data breach, which compromised my personal information and increased the risk of identity theft. Their continued failure to accurately report and correct information after such a massive breach is unacceptable and causes me direct harm. 

Impact : These inaccurate tradelines have directly led to a housing denial, and I now face homelessness in 15 days. Equifaxs inaction and negligence are causing immediate, tangible harm to my life and financial stability.

Requested Action : Require Equifax to immediately conduct a proper, documented reinvestigation of the above accounts.

Require Equifax to delete or correct the accounts to comply with FCRA 611 and Metro 2 standards.

Require Equifax to provide me with a complete file disclosure
, including original and intermediary data sources, as clarified by the CFPBs 2024 advisory opinion.

Prevent the reappearance of deleted items, in compliance with FCRA.

Expedite this matter due to the urgent housing crisis caused by Equifaxs noncompliance.

Enforce accountability and ensure Equifax is fully compliant with the law. 

I can provide all supporting documentation, including the official housing denial notice

Company response to consumer: Closed with explanation