Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Subject : Incorrect and Incomplete Credit Reporting Request for Investigation and XXXX XXXX XXXX : Equifax Information Services LLC Date : XX/XX/XXXX, XXXX. Summary of the Issue I am filing this complaint because Equifax is reporting multiple inaccurate, outdated, and conflicting items on my credit report. These inaccuracies are harming my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), specifically the requirements of 602 ( A ), 607 ( b ), and 611 regarding accurate, complete, and verifiable reporting.

I have attempted to resolve these errors directly with Equifax, but the issues remain uncorrected.

2. Accounts with Errors or Discrepancies Below is a summary of the inaccurate and inconsistent items based on the Equifax report dated XX/XX/XXXX, including pages XXXX. 

A. Duplicate Accounts XXXX XXXX XXXX XXXXXXXX XXXX Acct Ending XXXX - Appears twice with different statuses, payment histories, and activity dates. 
- One version shows ongoing delinquency ; the other shows Paid and Closed. 
XXXX. XXXX XXXX XXXX Accts Ending XXXX and XXXX - Two separate accounts appear despite historically being a single line. 
- Inconsistent activity dates and statuses. 
XXXX. XXXX XXXX XXXX ( XXXX / XXXX / Dept. of Education ) - Multiple entries show the same loan transferred multiple times. 
- Some entries report delinquency dates after transfer, which is prohibited. 
B. Incorrect Payment History Reporting 1. XXXX XXXX Acct XXXX- Missing last payment date ; delinquency continues after closure. 
XXXX XXXX XXXX XXXX XXXXXXXX - Late marks appear after the account 's listed closure date. 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Late payments recorded in months where no payment was due. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Status shows Pays As Agreed but reports late payments. 
C. Missing or Incomplete Account Information 1. XXXX XXXX Acct XXXX- Marked Transferred/Sold but no new owner listed. 
2. XXXXXXXX XXXX XXXXXXXX- Missing last payment date and incomplete activity history. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Balance reporting inconsistent with collection status. 
XXXX. XXXXXXXX XXXX XXXXXXXX- Missing months in payment grid ; inconsistent delinquency pattern. 
D. Missing Hard Inquiries The Equifax report provided is missing the inquiries section entirely, which violates FCRA 609 ( a ) ( 1 ), requiring full disclosure of all information in the consumers file.

3. Laws Potentially Violated - FCRA 607 ( b ) : Duty to report with maximum possible accuracy - FCRA 611 : Failure to conduct a reasonable reinvestigation - FCRA 602 ( A ) : Right to accurate reporting - FCRA 623 ( a ) ( 5 ) : Improper delinquency reporting post-transfer - FCRA 609 ( a ) ( 1 ) : Incomplete consumer file disclosure 4. Requested Resolution I respectfully request the CFPB require Equifax to : 1. Conduct a full investigation of each di
sputed item.

2. Remove or correct all inaccurate, unverifiable, duplicate, or misleading information.

3. Provide a complete disclosure of all hard inquiries.

4. Provide written confirmation of all corrected or deleted items.

5. Require furnishers to correct any improperly reported data.

5. Attachments Included with This Complaint- Copy of the Equifax report ( pages 434 ) 6. Statement of Good Faith I certify that all information included is true and correct to the best of my knowledge. I request the Bureaus assistance in ensuring my credit file is accurate, fair, and compliant with federal law.

Company response to consumer: Closed with non-monetary relief