Consumer complaint received 2025-12-07 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: NY

Complaint narrative:
COLLECTION AGENCIES REPORTING FALSE INFORMATION, RE-AGING, AND FAILING TO VALIDATE XXXX XXXX XXXX ( Accounts ending XXXX, XXXX, and additional XXXX accounts reporting {$1800.00} and {$5300.00} ) Issues include : Inconsistent dates across Experian, Equifax, and TransUnion. 
Equifax falsely shows an XX/XX/XXXX payment that is not shown on the other bureaus. 
XXXX has failed for over a year to provide : original signed contracts, chain of title, itemized purchase histories, billing statements, or any documentation used to verify the accounts. 
XXXX continues re-aging, causing extended derogatory impact. 
Some XXXX accounts were previously deleted and then reinserted without the legally required notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX / XXXX XXXX ( Account ending XXXX ) Issues include : Reporting ongoing collection activity into XXXX with no payments made. 
Different information on each bureau. 
No validation documents ever provided after disputes. 

XXXX XXXX XXXX XXXX XXXX Account ending XXXX ) Issues include : Reporting inconsistent dates and balances. 
No validation or supporting documentation has ever been supplied. 2. CHARGE-OFF ACCOUNTS REPORTING ILLEGAL LATE PAYMENTS AFTER CHARGE-OFF The following creditors continue to report late payments AFTER the charge-off date, which violates FCRA accuracy requirements and Metro2 guidelines XXXX XXXX reporting late payments through XX/XX/XXXX XXXX XXXX XXXX late payments through XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX through XX/XX/XXXX XXXX reporting late payments through XX/XX/XXXX XXXX reporting late payments after charge-off Affirm reporting first payment never received and then months of late payments after charge-off Late payments can not be reported after an account is charged off. 
These creditors are artificially extending derogatory reporting periods, damaging my creditworthiness.

3. FAILURE TO PROVIDE METHOD OF VERIFICATION & FAILURE TO PROVIDE COPIES OF PROOF ( FCRA VIOLATION ) For over a year, I have requested that the bureaus provide a proper method of verification and copies of all documents used to verify these accounts.

Instead, all three bureaus repeatedly send me a new copy of my credit report, which is not proof of anything. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I am e
ntitled to : the name, phone number, and department of who the bureau contacted at the furnisher, a description of the actual verification procedure, and copies of all evidence provided b
y the furnisher.

Despite asking for over a year, I have never received any of the following : Documents the bureaus MUST provide but did not : 1. Original signed contract bearing my signature 2. Chain of title ( every transfer or sale of the account ) 3. Itemized purchase history and full transaction breakdown 4. Billing statements 5. Copies of any records the furnisher used to verify the account 6. Proof of ownership and legal right to collect Sending me updated credit reports is NOT verification. 
Stating the furnisher verified it without documentation is NOT compliance with federal law.

This is a clear failure to conduct a reasonable investigation as required by FCRA 611 ( a ).

4. ILLEGAL REINSERTION OF PREVIOUSLY DELETED ACCOUNTS Several items were previously removed but lat
er reinserted without : written notice, explanation, or documentation of certification from the furnisher, as required by FCRA 611 ( a ) ( 5 ) ( B ).

These reinsertions must be removed immediately.

5. NEW YORK STATES 3-YEAR STATUTE OF LIMITATIONS New Yorks statute of limitations for consumer credit transactions is 3 years. 

Several of the accounts being reported ( including those from XXXX and XXXX ) are time-barred, yet the bureaus continue to update and report them.

This violates NY GBL 601 and constitutes deceptive reporting.

REQUEST FOR CFPB ACTION Because the credit bureaus and furnishers have : ignored evidence for over a year, re-aged multiple accounts, failed to validate debts, avoided providing proof, reinserted deleted accounts, and refused to conduct reasonable investigations, I am requesting the CFPB to : 1. Order immediate deletion of all inaccurate, unverifiable, re-aged, and improperly reinserted accounts.

2. Require the bureaus and furnishers to produce
copies of all documents used in verification.

3. Enforce FCRA 611, 607 ( b ), 623, and Metro2 compliance.

4. Penalize furnishers and bureaus for reinsertion violations.

5. Ensure compliance with New Yorks 3-year SOL requirements.

I am attaching screenshots and documentation to support this complaint. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation