Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
XXXXSubject:\nEquifax  Failure to Conduct Reasonable Reinvestigation, Contradictory Reporting, and Immediate Deletion Requested\n\nComplainant:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTradeline: XXXX XXXX  Loan  Account Ending XXXXTo the Consumer Financial Protection Bureau:\n\nI am filing this complaint against Equifax Information Services LLC for willful violations of the Fair Credit Reporting Act (FCRA).XXXX XXXX XXXX XXXX, I submitted a dispute directly to Equifax regarding false, misleading, and contradictory delinquency reporting for the XXXX XXXX XXXX  account. Equifax completed its reinvestigation but returned the account as verified on or after that date, even though the reporting remained inaccurate and inconsistent.\n\nSince then, Equifax has issued three different Equifax credit reports, each containing a different version of the payment history for the same account and the same months. This proves Equifax did not perform an independent or reasonable investigation as required by law.\n\nI am demanding immediate deletion of this tradeline because the harm Equifax has caused me far exceeds the amount of the alleged debt.\n\n 1. Equifax Returned the Account as Verified Despite Me Disputing on XXXXOn XXXX XXXX XXXX, I disputed the XXXX  tradeline through Equifaxs dispute system.\nI challenged the payment history as:\n\nFalse\n\nRepeated\n\nContradictory\n\nStructurally impossible\n\nDespite this, Equifax verified the account without correcting any errors.\n\nThis shows Equifax did not:\n\nReview all relevant information\n\nConduct an independent investigation\n\nIdentify contradictory data in its own system\n\nApply its duty under 1681i(a)\n\n 2. Equifax Is Reporting Three Contradictory Versions of the Same Payment History\n\nThe Equifax disclosures I downloaded show mutually contradictory delinquency grids for the same tradeline:XXXX XXXX XXXX XXXX Disclosure\n\nShows XXXX XXXX as:\n60  90  120  150  180  180 days late\n\n\nXXXX XXXX XXXXB. XXXX XXXX XXXX Disclosure\n\nShows a different sequence with repeated 180-day delinquencies.XXXX XXXX XXXX  equifax report\n\nC. XXXX XXXX XXXX  Disclosure\n\nShows a third inconsistent version, now reporting repeated 120-day delinquencies.XXXX results XXXXThese three reports contradict one another and cannot be reconciled.\n\nEquifax is publishing:\n\nMultiple versions of the same delinquency history\n\nThree different outcomes for the same months\n\nInconsistent and impossible payment progression\n\nThis proves the data is inaccurate and unverifiable under the FCRA.\n\n 3. Violations of the FCRA by Equifax\n\nBy verifying the account on XXXX and refusing to correct the reporting, Equifax violated:\n\nA. 15 U.S.C. 1681i(a)  Failure to conduct reasonable reinvestigation\n\nEquifax simply rubber-stamped the furnishers response.\n\nB. 15 U.S.C. 1681e(b)  Failure to maintain maximum possible accuracy\n\nThree contradictory histories = no accuracy.\n\nC. 15 U.S.C. 1681i(a)(5)  Duty to delete unverifiable information\n\nEquifax must REMOVE data that cannot be verified, and multiple conflicting versions are proof of non-verifiability.\n\nD. Case law:\n\nCushman v. TransUnion  CRAs must perform independent investigation\n\nHargrett v. Equifax  Inconsistent reporting = FCRA violation\n\nSanchez v. Equifax  A CRA cannot rely solely on furnisher verification\n\nDennis v. BEH-1  Internal contradictions show inaccuracy\n\nEquifax violated each of these principles.\n\n 4. The Damages I Suffered Exceed the Alleged Debt\n\nEquifaxs ongoing false reporting has caused:\n\nCredit denials\n\nEmotional distress\n\nThe harm is greater than the entire XXXX  account balance.\n\nEquifaxs actions have directly caused significant financial and emotional damage.\n\n 5. Requested CFPB Resolution\n\nI am requesting that the CFPB:\n\nRequire immediate deletion of the XXXX  tradeline from Equifax, as required by FCRA 1681i(a)(5).\n\nOrder Equifax to cease reporting inconsistent, contradictory, or unverifiable data.\n\nInvestigate Equifax for failing to comply with the FCRA after a dispute filed on XXXX XXXX XXXXHold Equifax accountable for its failure to conduct a reasonable reinvestigation.\nI currently filed Arbitration with the XXXX  on XXXX  for the same violations that Equifax committed against me.'

Company response to consumer: Closed with non-monetary relief