Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
XXXX XXXX XXXX Respondents :XX/XX/XXXX, Equifax, XX/XX/XXXXXXXX XXXX XXXX XXXX Additional CFPB Case Numbers : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX I am filing a consolidated complaint due to widespread, contradictory, and unlawful credit reporting across all XX/XX/XXXXbureaus and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Each party has contributed separate violations of the FCRA and Metro 2 guidelines. Below is a detailed breakdown of every specific violation committed by each entity, supported by documented evidence. 


The XXXX XXXX credit card account in question has been reported with multiple different late-payment months across every bureau and the furnisher itself none of which match each other, none of which match XX/XX/XXXX payment data, and none of which are the result of a lawful investigation. 
This renders the reporting inaccurate, contradictory, unverifiable, and unlawful under the Fair Credit Reporting Act. 
Additionally, multiple entities have falsely closed disputes, failed to communicate results, failed to forward my evidence, and misrepresented the status of their investigations. 
As a young entrepreneur trying to build credit, secure transportation, access stable housing, and operate a business, these errors have caused severe financial setbacks and blocked my progress. 


VIOLATIONS BY XXXX XXXX XXXX XXXX Below are each violation, clearly listed : Failure to Provide Accurate Information to Bureaus Violation : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) XXXXXX/XX/XXXXXX/XX/XXXXfurnished different delinquency dates to each bureau, causing each bureau to display conflicting late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These contradictions violate the requirement to furnish accurate and consistent information. 

Failure to Conduct a Proper Furnisher Investigation Violation : 15 U.S.C. XXXX ( b ) ( XXXX ) ( A ) After receiving my disputes from the bureaus, XXXX XXXX XXXX Did NOT conduct a reasonable investigation Did NOT reconcile inconsistent payment histories Did NOT correct inaccurate information Did NOT supply uniform payment dates Failure to Correct Inaccuracies After Notice Violation : 15 U.S.C. XXXX ( b ) ( XXXX ) ( XXXX ) XXXX XXXX continued sending conflicting data, even after receiving multiple disputes. 

Failure to Report Based on Actual Account History Violation : Metro 2 Reporting Accuracy Requirements XX/XX/XXXXinternal records show : A specific due date ( XX/XX/XXXX ) A specific payment clearing ( {$2000.00} ) No late event aligned to the contradictory dates being reported This proves the reported late dates do not match their own system. 

Failure to Honor Hardship / Medical Requests Violation : RegulationXX/XX/XXXX + FCRA Furnisher Obligations XXXX ignored my hardship request, did not respond in writing, did not apply protections, and kept reporting late marks. 

VIOLATIONS BY XX/XX/XXXX Failure to Maintain Maximum Possible Accuracy Violation : 15 U.S.C. XXXX ( b )XX/XX/XXXX reported multiple different late-payment months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These contradict : XXXXXX/XX/XXXXXX/XX/XXXXEquifax Other internalXX/XX/XXXXrefreshes Failure to Conduct a Reasonable Reinvestigation Violation : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) XX/XX/XXXX closed disputes without : Verifying which late date was correct Comparing bureau data Reconciling XX/XX/XXXX inconsistencies Failure to Forward ALL Evidence to the Furnisher Violation : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) Rep XXXX admitted that the reinvestigation relied solely on what XXXX sent NOT the evidence I submitted. 
Improper Notification of Dispute Results Violation : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) XX/XX/XXXXn : Sent me mail & online notices saying the dispute was closed CFPB portal still shows OPEN Sent to Company This meansXX/XX/XXXX did NOT properly notify CFPB or misrepresented the status. 

Failure to Delete Unverifiable Information Violation : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) Because XX/XX/XXXX can not determine : Which delinquency date is accurate Whether any date is accurate The late MUST be deleted. 

VIOLATIONS BY EQUIFAX Failure to Maintain Maximum Possible Accuracy Violation : 15 U.S.C. XXXX ( b ) Equifax is reporting : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These dates contradict every other bureau and XXXX XXXX. 

Failure to Forward Evidence to Furnisher Violation : XXXX ( a ) ( XXXX ) ( A ) Rep XXXX stated Equifax had nothing showing despite evidence I submitted. 
That means Equifax never forwarded my documents to XXXX XXXX. 

Failure to Provide Notification of Reinvestigation Results Violation : XXXX ( a ) ( XXXX ) Equifax did not send me completed results despite closing the dispute on their end. 

Failure to Delete Unverifiable Information Violation : XXXX ( a ) ( XXXX ) Equifax could not verify any specific late date. 

VIOLATIONS BY XX/XX/XXXXFailure to Conduct Reasonable Reinvestigation Violation : XXXX ( a ) ( XXXX ) ( A ) Rep XXXX confirmed the dispute was closed without reviewing any documents. 
This is a textbook reinvestigation violation. 

Failure to Forward Evidence Violation : XXXX ( a ) ( XXXX ) ( A )XX/XX/XXXX never sent my evidence to XXXX XXXX because they never reviewed it. 

Reporting Conflicting Payment History Violation : XXXX ( b ) XX/XX/XXXX shows XX/XX/XXXX late no other bureau or XXXX XXXX shows this same month consistently. 

Failure to Delete Unverifiable Information Violation : XXXX ( a ) ( XXXX ) XX/XX/XXXXcan not determine when or if the late occurred. 

XXXX XXXX VIOLATIONS BY ALL PARTIES These apply to XX/XX/XXXX Equifax,XX/XX/XXXX, AND XXXX XXXX : XXXX. Historical Payment Profile Inconsistency Payment history must be uniform. Instead, all parties display : Different dates Different severity Different cXX/XX/XXXXes XXXX. Compliance Condition CXX/XX/XXXXe Errors Hardship NOT applied. 

XXXX. Mixed Month Reporting Non-chronological late cXX/XX/XXXXing strictly prohibited. 

XXXX. Discrepant Data Across Repositories A single tradeline can not legally have XXXX different histories. 


The inaccurate reporting has : Prevented me from getting reliable transportation Blocked housing approvals Limited my income opportunities Damaged my business growth Hurt my ability to function as a responsible young adult These reporting failures have real-world consequences that are harming my stability, mobility, and financial progress.

Company response to consumer: Closed with explanation