Consumer complaint received 2025-11-12 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:
My name is XXXX XXXX XXXX, and I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion have blatantly mishandled, misreported, and failed to verify key tradelines on my credit report, despite multiple written disputes and legal notices. The continued publication of false late payment data after repeated investigations is not only negligent it is willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and Regulation Z ( Billing Law ). 

I am not a passive consumer. I am fully aware of my rights under FCRA 1681e ( b ), 1681i ( a ), and 623 ( a ) ( 1 ) ( A ), and it is evident that these bureaus and furnishers have chosen to ignore them. The so-called investigations performed were superficial, automated, and failed to provide one single piece of verifiable documentary evidence such as a billing statement or payment record. These violations are extensive and deliberate. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX This account was closed and paid, yet all three bureaus continue to publish late payment codes after closure something that is categorically prohibited under Metro2 standards. A closed account with a XXXX balance can not legally carry delinquency markers. 
The fact that these bureaus maintain late payments long after the account reached a XXXX balance is a textbook violation of FCRA 1681e ( b ) for failure to maintain maximum possible accuracy and 611 ( a ) ( 7 ) for refusing to produce a valid Method of Verification. 

This is not an oversight. This is false publication of derogatory data and reckless disregard for accuracy. These actions have suppressed my credit scores and misrepresented my payment behavior to lenders. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX The reporting of this account is an outright disaster. Equifax lists it as positive and current, while Experian reports late payments for the same months, and TransUnion inconsistently mirrors both. This chaos alone proves there was no real reinvestigation or uniform data verification process. 

I specifically demanded billing proof from the furnisher showing due dates, payment records, or signed account documentation. None was provided. Instead, the bureaus recycled the same false data and claimed verified as accurate. That is fraudulent verification and a clear breach of FCRA 1681i ( a ). 

You can not label an account both current and late. The Metro2 Credit Reporting Resource Guide explicitly prohibits this conflict, yet Experian and Equifax continue to publish the contradiction. 

XXXX. XXXX XXXX XXXX Account # XXXX This account has already been deleted by TransUnion for being unverifiable, yet Equifax and Experian continue to publish it as open with late payments from XXXX. This alone is irrefutable proof of data unreliability. 

It is illegal to continue reporting information that another bureau has confirmed can not be verified. This constitutes a willful violation of FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ), as well as negligence under 616 and 617 for continuing to harm a consumer after written notice.

Reporting an account as both open/current and 30/60 days late in the same period defies logic, law, and Metro2 structure. I should not have to tolerate false information being sold about me to lenders when it has already been proven unverifiable by another national bureau. 

4. Billing Law Violations ( Regulation Z, 12 CFR 1026.13 ) Under the Truth in Billing laws, creditors are required to produce actual billing statements or transactional records to verify any claimed delinquency. None of the furnishers involved have done so. Instead, they rely on unverified data that they recycle across bureaus. This is a billing error by definition, and it should have been corrected the moment it was challenged. 

5. Pattern of Negligence and Damage This is not an isolated issue its a pattern of noncompliance. These bureaus have repeatedly ignored the evidence, failed to perform meaningful reinvestigations, and refused to delete data that they know can not be verified. 
Their negligence has caused score suppression, financial embarrassment, and measurable damages to my ability to obtain fair credit terms. The continued publication of these false accounts is defamation by implication and a serious violation of consumer protection law.

Company response to consumer: Closed with non-monetary relief