Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am filing this complaint against Equifax, Experian, TransUnion, and the above-listed furnishers for systemic failures to ensure accurate credit reporting, conduct reasonable reinvestigations, and correct materially misleading and unverifiable information on my consumer credit reports. 

Despite multiple disputes, these credit reporting agencies continue to publish inaccurate, contradictory, and duplicate tradelines furnished by the above companies, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Nature of the Violations Across all three bureaus, the following violations persist : Inconsistent and Contradictory Reporting Accounts are simultaneously reported as open/closed, charged off/active, or transferred and in collection. 

Conflicting balances, dates opened, last activity dates, and payment histories appear across bureaus for the same accounts. 

Duplicate collection tradelines ( notably by XXXX XXXX XXXX ) inflate derogatory impact for the same alleged debts. 

Failure to Conduct Reasonable Reinvestigations Equifax, Experian, and TransUnion failed to independently verify disputed information and instead relied on automated or furnisher-affirmed responses.

No original source documentation was obtained or reviewed, violating FCRA 1681i and 1681e ( b ).

Unverified and Unsupported Debts Furnishers have failed to produce legally sufficient documentation, including : Signed agreements Itemized billing statements Complete payment histories Proof of lawful ownership or chain of assignment Medical billing authorization or HIPAA-compliant documentation where applicable Unlawful Duplicate and Inflated Reporting XXXX XXXX XXXX is reporting the same alleged debts under multiple account numbers, which constitutes deceptive and inaccurate reporting. 

This practice artificially inflates default severity and credit harm. 

Metro 2 and CDIA Compliance Failures Reporting reflects structural defects prohibited under Metro 2 standards, including improper account status coding, delinquency progression after charge-off, and post-transfer collection activity.

Statutory Violations The conduct described above constitutes violations of, but is not limited to : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct reasonable reinvestigations FCRA 1681s-2 ( b ) Furnisher failure after notice of dispute FCRA 1681n & 1681o Willful and negligent noncompliance FTC Act 5 Unfair and deceptive acts and practices Continued reporting after notice demonstrates reckless disregard for my rights as a consumer. 

Accounts Affected ( XXXX ) XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX / XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX and related account ending in XXXX XXXX / XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ( {$1500.00} ) Account # XXXX ( {$2800.00} ) Duplicate reporting of the same alleged debts

Company response to consumer: Closed with non-monetary relief