Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
I am filing this complaint to document and escalate multiple ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards by Equifax, Experian, and TransUnion. Despite multiple dispute submissions, verified deletions, and prior CFPB filings now pending for more than 60 days, all three credit bureaus continue to report unverifiable, contradictory, and inaccurate information on my consumer credit files.

I am a verified victim of the Equifax National Data Breach, and my personal identifying information was compromised. Since the breach, my credit reports have contained numerous errors, unverifiable accounts, and personal data inconsistencies. This inaccurate reporting continues to cause reputational and financial harm, despite my repeated efforts to resolve these issues under the FCRAs statutory reinvestigation process. 

XXXX. Unverifiable Collection Accounts XXXX XXXX XXXX Account XXXX XXXXXXXX This account is being reported as a collection with conflicting data across all three bureaus. It shows a Date Opened of XX/XX/XXXX, but a Date of Last Payment of XX/XX/XXXX, XXXX impossible. The account is also coded as both open and charged off, violating Metro 2 CRRG 2.5. The original creditor is listed as Unknown, which violates FCRA 623 ( a ) ( 1 ) ( A ) requiring furnishers to identify verified sources. After 60 days and multiple disputes, no contract, billing statement, or proof of ownership has been produced. Under 1681i ( a ) ( 5 ) ( A ), this unverifiable collection must be permanently deleted. 

XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX This auto loan is reported as closed yet coded as a collection or charge off with continuous CO charge-off codes for XXXX through XXXX. This is clear evidence of illegal re-aging, prohibited under FCRA 623 ( a ) ( 2 ) and Metro 2 2.2. The account lists the original creditor as Unknown and shows payment activity years after closure, making the data inaccurate and unverifiable. No validation documents were ever provided within the 30-day statutory window. 

XXXX XXXX Account XXXX XXXXXXXX This account is listed as open and charged off even though it reflects a XXXX balance and the comment Paid Collection. Under Metro 2 2.5, a paid collection must be reported as closed with no ongoing derogatory coding. The original creditor is missing, violating FCRA 623 ( a ) ( 1 ) ( A ). Despite multiple disputes, this account remains on file beyond the reinvestigation period without any verification or correction. 

XXXX. Inaccurate and Unverifiable Personal Identifiers The bureaus continue to report multiple incorrect personal identifiers that were already deleted or corrected by one bureau but remain on others : Incorrect Names : XXXX XXXX ( deleted by Equifax and TransUnion but still listed by Experian ). 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate current address ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX deleted by Equifax but still listed by Experian and TransUnion ). 

Incorrect Employer : Not Provided and XXXX XXXX XXXX ( never verified ). 

Incorrect Date of Birth : Inconsistently reported as XXXX or XX/XX/XXXX across bureaus. 

These personal identifiers are unverifiable under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require correction or deletion of inaccurate personal data. Maintaining deleted or unverifiable identifiers after one bureau has confirmed deletion demonstrates systemic inaccuracy and noncompliance under 1681e ( b ). 

XXXX. Failure to Reinvestigate and Delete Within Statutory Timeframe All three bureaus have exceeded the 30-day reinvestigation limit under FCRA 1681i ( a ) ( 1 ) ( A ). The disputed accounts and identifiers have remained unresolved for over 60 days, with no documentation produced to substantiate the reporting. Under 1681i ( a ) ( 5 ) ( A ), any unverifiable or unresolved information must be permanently deleted. Their failure to comply constitutes both negligent and willful noncompliance under 1681n and 1681o. 

XXXX. Data Breach Risk and Identity Compromise Because I am a documented victim of the Equifax National Data Breach, the continued publication of unverifiable or inaccurate data also violates FCRA 1681c-2, which mandates blocking and deletion of data that may have been compromised or result from identity theft. The bureaus failure to apply these protections despite my formal notices demonstrates reckless disregard for consumer data integrity.

XXXX Harm and Requested Resolution These violations have caused ongoing damage to my credit standing, loss of credit opportunities, and emotional distress from repeated failed reinvestigations. I am requesting : Permanent deletion of the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX accounts from all consumer credit files. 

Deletion of all unverifiable or inconsistent personal identifiers ( incorrect names, addresses, employer data, and date of birth ). 

A written compliance response confirming deletions and procedural corrections. 

Conclusion This case represents a pattern of systemic noncompliance and disregard for the consumers right to accurate reporting and timely reinvestigation. These errors have persisted despite multiple dispute rounds, verified deletions by some bureaus, and active CFPB cases now open for over two months. I request full enforcement action under the FCRA and oversight of the bureaus failure to correct or delete unverifiable data in accordance with federal law.

Company response to consumer: Closed with explanation