Consumer complaint received 2025-12-15 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: DC

Complaint narrative:
I am submitting this CFPB complaint based on my most recent written dispute letters and the documented failure of the credit bureaus to correct or lawfully verify the issues raised, despite a prior CFPB complaint already placing them on notice of their obligations. This is not a duplicate complaint. It is based on continued and new violations that occurred after my last CFPB filing and after the most recent dispute cycle.

In my current three bureau dispute letters I challenged specific late payment reporting and account level inaccuracies that are materially inconsistent across Equifax Experian and TransUnion. These disputes were narrow and targeted. They focused on Metro2 field level conflicts and the continued reporting of derogatory data that can not be accurate when compared side by side across bureaus.

The accounts at issue were reported with conflicting payment statuses balances past due amounts dates last active and delinquency histories. In some instances the same account is reported as current on one bureau while simultaneously reported as delinquent on another. In other instances accounts remain open and active yet continue to carry late payment remarks without any consistent supporting data across repositories. 

These are not historical disagreements. They are present tense inaccuracies that directly affect my credit scores and lending profile.

The prior CFPB complaint already established a pattern of bureau behavior. In that complaint the bureaus relied on generic statements that they contact furnishers and accept their responses. They did not provide documentation. They did not reconcile contradictions. They did not explain how conflicting Metro2 fields were resolved. One complaint was even marked as a duplicate despite the fact that the underlying issues were never corrected.

After that CFPB complaint I submitted new dispute letters identifying specific unresolved and newly verified inaccuracies. This triggered a new duty to reinvestigate. Instead of performing a lawful reasonable reinvestigation the bureaus again relied on automated processes and continued reporting the same defective data.

No original account agreements no complete payment histories no billing statements and no explanation of the verification method were provided. No bureau explained how an account can be both current and delinquent depending on which report is viewed. This confirms that the reinvestigation was not reasonable and that the data is being published without factual validation.

Late payment reporting is one of the most damaging factors in FICO scoring. The continued publication of inaccurate late payment data has suppressed my scores increased my cost of credit and interfered with my ability to obtain fair financial terms. I have acted in good faith at every stage. The credit bureaus have repeatedly failed to meet their statutory obligations.

Company response to consumer: Closed with explanation