Consumer complaint received 2025-11-24 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:
I am filing this combined complaint against Experian, Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for furnishing, reporting, and reinvestigating inaccurate information related to my HELOC account ( Account No. XXXX XXXX XXXX XXXX XXXXXXXX ). 

1. Experian Reporting False Information & Reinvestigation Failures Experian repeatedly reported inaccurate information, including a false Highest Balance of {>= $1,000,000}, which is impossible. My original HELOC balance was approximately {$310000.00}, not {$31.00} million. 

Experian also reported : Contradictory delinquency history Inaccurate or missing payment data Incorrect bankruptcy status Missing terms and monthly payment Long-term negative reporting that did not match the true history I disputed this account 45 times over two years. Each time, Experian updated the account but did NOT fix the errors. In XX/XX/year>, after my most recent dispute, Experian finally deleted the tradeline with the note : This item was updated from our processing of your dispute. 

This deletion proves : Experian failed to conduct a reasonable reinvestigation under FCRA 1681i Experian allowed false information to remain on my report for years XXXX failed to verify under 1681s-2 ( b ) The tradeline did not meet FCRA accuracy requirements This false reporting caused financial harm during foreclosure and bankruptcy, including stress, credit score impact, and difficulty obtaining credit. 

2XXXX XXXX  Failure to Verify & Furnishing Contradictory Metro 2 Data I requested that XXXX provide : Verification of the account Documents supporting the balance Documents supporting the payment history Verification of the bankruptcy status they furnished Documentation of all Metro 2 fields sent to Experian and Equifax Evidence provided during reinvestigation Correction of inaccurate information XXXX did not verify the account and did not provide documentation. Their inability to verify led to the Experian deletion. 

This is a violation of : 1681s-2 ( b ) furnisher obligations FCRA accuracy standards Basic Metro 2 reporting requirements 3. Equifax Reporting Contradictory and Inaccurate Information My Equifax report ( Page 2 ) shows that XXXX is reporting the HELOC as : OPEN Unknown payment status {$0.00} balance owed {$310000.00} credit line No payment history No delinquency Not disputed Last reported XX/XX/year> ( This is attached in my uploaded PDF. ) This reporting is materially false because : The loan is NOT open The account was in foreclosure/bankruptcy XXXX reported different data to Experian Experian deleted the account due to inability to verify The Equifax data contradicts the true status of the loan Equifax failed to ensure accuracy under 1681e ( b ) Equifax failed to reasonably reinvestigate the account Equifax is reporting incomplete, contradictory, and inaccurate information that conflicts with Experians deletion and the true history of the account. 

4. Request for CFPB Action I request that the CFPB : Investigate Experian, Equifax, and XXXX XXXX XXXX XXXX for violations of FCRA. 

Require a full copy of all reinvestigation records from Experian and Equifax. 

Require XXXX to provide the documents they used ( or failed to use ) to verify the account. 

Require written certification that the deleted Experian tradeline will not be reinserted without full verification and 5-day notice. 

Require correction or removal of inaccurate Equifax data. 

Require explanation of how Experian came to report a XXXX XXXX  XXXX false balance. 

Address the financial and emotional harm caused by inaccurate reporting during foreclosure and bankruptcy. 

XXXX. Notice of Intent to Sue If this matter is not resolved through the CFPB process, I am prepared to pursue my rights under the FCRA, including filing a civil action in federal court against Experian, Equifax, and XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation