Consumer complaint received 2025-12-22 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: MN

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, unverified, and unlawfully reported accounts that continue to appear on my consumer credit reports despite prior disputes. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX XXXX. XXXX ( b ), XXXX ( a ), XXXX ( a ), and XXXX ( b ), as well as applicable provisions of the Fair Debt Collection Practices Act ( FDCPA ). 

The furnishers and consumer reporting agencies have failed to conduct reasonable investigations, failed to provide competent verification, and continue to publish inaccurate, incomplete, inconsistent, and misleading data that can not be substantiated under XXXX XXXX reporting standards. This ongoing reporting is causing continuous harm to my credit profile and constitutes willful noncompliance. 

Disputed Accounts ( Not Summarized ) XXXX XXXX XXXX ( XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX  This collection account is being reported without complete XXXX XXXX data fields, lacks verifiable documentation from the original creditor, and continues to appear despite disputes. XXXX or more consumer reporting agencies show missing or contradictory data, proving that no lawful reinvestigation occurred. Continued reporting violates FCRA XXXX ( b ) and XXXX ( a ). 

XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX * * * * This account is reporting inconsistent balances, conflicting credit limits, contradictory payment histories, and charge-off coding that does not match across bureaus. These discrepancies render the tradeline unverifiable and non-compliant. Reporting inaccurate financial data violates FCRA XXXX ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX This account is reported as an installment/collection with conflicting delinquency timelines, dates of last activity, and payment history across consumer reporting agencies. Such internal inconsistencies prove that the data is unreliable and was not properly verified under FCRA XXXX ( a ). 

XXXX XXXX XXXX ( XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple LVNV Funding accounts are reporting with missing original creditor data, absent payment histories, and contradictory balances. Some bureaus report no data while others report derogatory status, which is impossible if a lawful reinvestigation occurred. This fragmented reporting violates FCRA XXXX ( b ) and XXXX ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This secured credit card account is reporting inconsistent high credit amounts, credit limits, delinquency histories, and charge-off information across bureaus. The payment history blocks do not align with the reported balances or status, rendering the account structurally inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is simultaneously reported as paid, closed, current, and derogatory depending on the bureau, with conflicting dates of last activity and payment. Such contradictory reporting violates XXXX XXXX standards and demonstrates failure to maintain reasonable procedures to ensure maximum possible accuracy. 

Legal Violations Asserted FCRA XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy FCRA XXXX ( a ) Failure to conduct a reasonable reinvestigation FCRA XXXX ( b ) Failure of furnishers to properly investigate disputes FDCPA XXXX & XXXX False, misleading, and unfair collection reporting XXXX XXXX XXXX Failures Incomplete, contradictory, and unverifiable data fields Harm Caused The continued reporting of these accounts has : Lowered my credit scores Prevented access to credit and favorable terms Caused repeated emotional and financial stress Resulted in ongoing publication of false and misleading information Each monthly update perpetuates new violations.

Company response to consumer: Closed with non-monetary relief