Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
b'I just received notice from all 3 Credit files regarding XXXX updates to my credit report that dropped my score by XXXX points.\n\nSummary of Complaint:\n\nThis is "Ongoing willful FCRA violations by XXXX XXXX and the three nationwide credit bureaus (XXXX Equifax, XXXX) involving the XXXX XXXX credit-card tradeline #XXXX XXXX XXXXDespite multiple disputes, deletion requests, and verified identity documents supplied between XXXX XXXX XXXX XXXX XXXX the account continues to appear on all three reports with inconsistent, inaccurate, and re-aged data.\nThe credit bureaus and the furnisher have repeatedly failed to comply with 15 U.S.C.  1681i, 1681e(b), 1681s-2(b), and  623(a)(5), as well as Regulation V (12 C.F.R. pt. 1022, Subpart E).\n\nDetailed Facts & Timeline\XXXX  Initial disputes filed with XXXX Equifax, and XXXX asserting XXXX tradeline unverifiable; requests for deletion submitted with utility bill and drivers license.\XXXX XXXX No documentary verification produced by XXXX. Under  1681i(a)(5)(A), each CRA was required to delete the tradeline within 30 days. Instead, all three continued publishing contradictory dataXXXX Deletion demands re-sent to all CRAs citing expired statutory periodXXXX XXXX: Account continued to report monthly as Derogatory / Charge-off.\nXXXX: Unpaid balance reported as loss  DLA XXXXnEquifax: Charged off  DLA XXXX Charged off  DLA XXXXThese conflicts prove the same account has been re-aged and furnished inconsistentlyXXXX  Filed a CFPB Complaint: All CRAs falsely reporting on unverified debt since XXXX with prior evidence sent and still no correctionXXXX Filed CFPB complaint; XXXX falsely characterized dispute as potential fraud, ignoring supporting evidencecontrary to  1681i(a)(4).\n\XXXX Account still present; no certified verification from XXXX ongoing monthly credit-score suppression of approximately XXXX points.\n\nWhy This Is Unlawful\n1. Failure to Conduct Reasonable Reinvestigation ( 1681i(a)(1))\n\nEach CRA must complete a reasonable reinvestigation within 30 days and delete unverifiable information. None produced proof of validation; all continued publishing inaccurate data.\n\n2. Failure to Delete or Correct Inaccurate Information ( 1681i(a)(5))\n\nAfter expiration of the statutory window, the tradeline remained active, constituting a willful violation of deletion duties.\n\n3. Failure to Assure Maximum Possible Accuracy ( 1681e(b))\n\nConflicting Date of Last Activity and Charge-off coding across bureaus show lack of accuracy controls.\n\n4. Furnishers Failure to Investigate and Correct ( 1681s-2(b))XXXX XXXX  ignored direct and indirect disputes and continued furnishing unverifiable data.\n\n5. Re-Aging and Metadata Manipulation ( 623(a)(5); Reg V  1022.42)\n\nBy reporting differing delinquency dates, the data artificially extends the reporting period beyond the permitted seven years.\n\nPattern of Willful Non-Compliance\n\nThese acts are part of a broader pattern documented in CFPB enforcement history:\n\nEquifax XXXX  Consent Order (XXXX XXXX): required deletion of unverifiable data and prevention of reinsertion.\XXXX XXXX Consent Order (XXXX XXXX): required accurate dispute handling and prohibited reliance solely on furnishers.XXXX XXXX Action: alleged violations of prior consent order and deceptive dispute procedures.\nThe same violations persist here, showing deliberate disregard of supervisory orders.\n\nHarm & Damages\n\nDuration: XXXX  months of unverified reporting (XXXX  XXXX).\n\nScore suppression: XXXX points per month; ongoing credit denials and adverse loan terms.\n\nEmotional & reputational harm: constant derogatory publication despite proof of non-liability.\n\nEstimated exposure: XXXX XXXX XXXX XXXX per tradeline for CRAs and per bureau(s) for XXXX under  1681no (actual + punitive).'

Company response to consumer: Closed with explanation