Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Experian, Equifax, TransUnion, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have repeatedly failed to conduct proper reinvestigations, continue reporting inaccurate late payments, and are violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

I have disputed these late-payment entries multiple times directly with the CRAs and furnishers. The CRAs are repeatedly issuing verified responses without providing the legally required Method of Verification, and the furnishers are reporting inconsistent, incomplete, and inaccurate data.

These actions violate FCRA 602, 605, 607, 611, and 623, as well as the Metro-2 Credit Reporting Resource Guide ( CRRG ) accuracy requirements.

I am requesting CFPB intervention to require deletion or correction of the inaccurate reporting and enforcement of FCRA obligations. 

Accounts Involved XXXX. XXXX XXXX : XXXXIssue : Late payments reported inaccurately ; not supported by internal records ; inconsistent reporting patterns. 
XXXX. XXXX XXXX XXXX XXXX : XXXXIssue : Late payments continue to be reported despite disputes ; furnisher failed to investigate properly under 623 ( a ) ( 3 ). 
XXXX. XXXX XXXX : XXXXIssue : Late payments reporting inconsistently across CRAs ; Metro 2 violation ( fields not uniform ) ; CRAs will not correct. 
XXXX. XXXX XXXX XXXX ( Closed Auto Loan ) Account : XXXX : Late payments being reported outside of allowable timelines and not matching payment history ; inaccurate date fields.

Detailed Explanation of Violations 1. FCRA 611 CRAs failed to conduct a reasonable reinvestigation I submitted multiple disputes for all four accounts to Experian, Equifax, and TransUnion.Each CRA responded with a generic verified as accurate response without conducting a reasonable reinvestigati
onand without correcting inconsistent data.

Under 611 ( a ) ( 1 ) ( A ), CRAs must perform a reasonable reinvestigation.They have not met this requirement.

2. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide Method of Verification ( MOV ) After receiving verified responses, I requested MOV from each CRA.None of the CRAs provided the required details showing how the item was verified. 
This violates 611 ( a ) ( 7 ) and 611 ( a ) ( 6 ) ( B ) ( iii ).

3. FCRA 607 ( b ) Failure to maintain reasonable procedures for accuracy The CRAs are reporting three different versions of the same late payments across bureaus.Because the data does not match, at least one or all must be inaccurate.

This means the CRAs lack reasonable procedures to ensure maximum possible accuracy.

4. FCRA 623 ( a ) ( 3 ) Furnishers failed to conduct investigations Each furnisher was notified by the CRAs that I disputed the late payments.They failed to conduct proper investigations and continued reporting the same data without correction. 
XXXX, XXXX XXXX, XXXX XXXX, and XXXX all violated their obligation to : * Investigate the dispute * Review all relevant information * Report the results back to the CRAs 5. Metro-2 Compliance Violations Across all four accounts, the following Metro-2 accuracy issues were identified : * Inconsistent payment history across bureaus ( violates CRRG 1.3 ) * Inaccurate late-payment codes * Inaccurate Date of First Delinquency fields * Failure to report uniform data to all CRAs Metro 2 requires that data be accurate, complete, and consistent, which these furnishers and CRAs have failed to do.

6. FCRA 602 Failure to ensure fairness and accuracy Congress mandates credit reporting to be both fair and accurate.Stalling tactics, repeated false verification responses, and inconsistent reporting violate the intent of 602. 
I am requesting the CFPB to : 1. Require Experian, Equifax, and TransUnion to reopen all disputes and conduct proper reinvestigations. 
2. Require the furnishers ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX to conduct proper investigations under 623 ( a ) ( 3 ).

3. Compel the CRAs to provide full Method of Verification for each disputed late payment.

4. If the furnishers can not provide documented evidence supporting each late payment, the CRAs must delete the inaccurate data under 611 ( a ) ( 5 ) ( can not be verified must be deleted ).

5. Ensure that all furnishers update their Metro-2 reporting to correct inaccurate fields.

Company response to consumer: Closed with non-monetary relief