Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
This complaint is in reference to a previously filed CFPB complaint ( XXXX ) concerning XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX 

I am filing this complaint against Equifax for continuing to report inaccurate and unverifiable information regarding the XXXX XXXX XXXX account on my credit report. 

Equifaxs investigation response states that the account was verified and that certain fields such as Closed Date, Scheduled Payment, High Credit, Additional Information, and Account History were modified. However, these changes do not correct the underlying factual inaccuracies. The account remains materially inconsistent, unverifiable, and in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations Identified 1. Failure to Assure Maximum Possible Accuracy FCRA 607 ( b ) requires credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report.

Equifaxs continued reporting of conflicting data despite prior disputes demonstrates a lack of compliance with this legal standard. Merely updating fields without resolving inaccuracies does not satisfy 607 ( b ).

2. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) requires Equifax to conduct a reasonable reinvestigation of disputed information. Equifaxs generic verification that the item belongs to me without producing supporting evidence or validating the accuracy of modified fields fails to meet the statutory threshold for a reasonable investigation. 

3. Reporting Inconsistent or Incomplete Data The Account History, High Credit, and Closed Date fields were changed during the reinvestigation, which proves that previous reporting was inaccurate. Yet Equifax continues to maintain the tradeline rather than delete it. 

Reporting modified but unverified data violates FCRA 607 ( b ) and 611 ( a ) because the account information remains unreliable and unverifiable.

4. Failure to Report Correct Date of Delinquency FCRA 623 ( a ) ( 5 ) requires data furnishers to accurately report the date of first delinquency. Equifaxs lack of alignment between reported activity dates and those from the furnisher raises concerns of potential re-aging and time-barred reporting.

Summary of Equifaxs Non-Compliance Equifaxs response admits multiple field changes to this tradeline but does not provide evidence verifying the accounts validity, the accuracy of its payment history, or the legitimacy of the updates. Updating unverifiable data still results in continued FCRA violations. 

Per the FCRA, verification of ownership is not sufficient the law demands maximum possible accuracy and reasonable reinvestigation. 

Requested Action I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) direct Equifax to : 1. Immediately delete the XXXX XXXX XXXX account from my credit file for failure to meet FCRA 607 ( b ) accuracy standards and 611 ( a ) reinvestigation requirements.

2. Provide written confirmation of deletion to me within 30 days.

3. Implement internal review procedures to prevent further violations of the FCRA regarding unverifiable or modified tradelines.

Company response to consumer: Closed with explanation