Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint due to systemic failures by the credit reporting agencies and data furnishers to comply with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and mandatory XXXX XXXX  reporting standards. 

Despite repeated written disputes submitted in good faith, the credit reporting agencies have continued to publish inaccurate, misleading, inconsistent, and unverifiable information, failed to correct confirmed errors, and failed to conduct legally required reasonable reinvestigations. 

The inaccuracies described below are not isolated clerical errors. They reflect ongoing procedural noncompliance, disregard for statutory duties, and improper dispute handling, which have caused measurable harm to my credit profile and financial standing. 

Pattern of Inaccurate and Inconsistent Reporting Multiple accounts are being reported inconsistently across the XXXX national credit reporting agencies, even though they originate from the same creditor, involve the same consumer, and share identical account histories. 

Example : XXXX XXXX XXXX XXXX Secured Loan The account was opened in XX/XX/year> and closed in XX/XX/year> The account closed with a XXXX balance and no past-due amount Experian reports the account as paid, current, and positive Equifax and/or TransUnion report a XXXX XXXX There is no verified documentation supporting the existence of any late payment. The payment history reflects on-time performance, and the account was satisfied and closed in good standing. 

Reporting a delinquency on XXXX bureau while another bureau reports the same account as positive creates a materially misleading and distorted credit record, which violates FCRA 1681e ( b ) ( maximum possible accuracy ). 

A credit report can not be simultaneously accurate and inaccurate for the same account. The continued publication of conflicting data proves that reasonable procedures are not being followed. 

Failure to Conduct Reasonable Reinvestigations ( FCRA 1681i ) I have formally disputed these inaccuracies multiple times and clearly identified the specific fields in error, including but not limited to : Payment Status ( XXXX ) Date Opened ( XXXX ) Date Last Active ( XXXX ) Date of Last Payment ( XXXX ) Account Status ( XXXX ) High Credit and Credit Limit fields In response, the credit reporting agencies XXXX XXXX Re-verified inaccurate data without correction Provided generic dispute responses Marked disputes as resolved while leaving inaccuracies intact Failed to provide any documentation showing how the information was verified A reasonable reinvestigation requires more than blindly repeating furnisher data, especially when that data conflicts with another national credit bureaus reporting. Courts and regulators have repeatedly recognized that such conduct does not satisfy FCRA 1681i.

Billing Errors and Improper Late Payment Reporting ( 15 U.S.C. 1666 ) Several accounts contain alleged late payments despite : No verified billing statements demonstrating nonpayment No proof of required billing notice timelines No consistent payment timeline supporting delinquency Under 15 U.S.C. 1666 ( b ), billing errors include the failure to properly reflect payments or the improper assessment of late payments. Reporting late payments without substantiated billing proof constitutes a billing violation and results in inaccurate credit reporting. 

Late-payment indicators on accounts that were ultimately paid and closed with XXXX balanceswithout proof of a valid delinquencyare misleading and unlawful. 

XXXX XXXX and XXXX Reporting Violations The reporting on multiple accounts violates mandatory XXXX XXXX / XXXX  standards, including : Conflicting Account Status codes Inconsistent Payment Status fields Inaccurate or mismatched Date Opened and Date Last Active fields Unsupported delinquency indicators XXXX XXXX compliance is not optional. Any deviation undermines the integrity of the reported data and renders the tradeline unreliable. When required fields are inaccurate or contradictory, the entire tradeline becomes suspect and noncompliant. 

Improper Dispute Handling and Unlawful Delays I have reason to believe that my disputes were delayed or obstructed based on unfounded assumptions regarding XXXX assistance. 

There is no provision in the FCRA that permits a credit bureau to delay, refuse, or otherwise obstruct a dispute because a consumer used software, templates, or advisors. 

Any delay in processing my disputes violates FCRA 1681i and constitutes willful noncompliance. Consumers are legally entitled to assistance, and no power of attorney or additional authorization is required. 

Harm Caused by These Violations As a direct and foreseeable result of the conduct described above : My credit scores have been unfairly suppressed My creditworthiness has been misrepresented I have faced adverse lending decisions and higher interest rates I have expended significant time and effort attempting correction My XXXX  protected consumer rights have been violated These harms are ongoing and continue each time inaccurate information is published or re-verified without correction. 

Requested Resolution I respectfully request that the CFPB require the following corrective actions : Immediate correction of all inaccurately reported tradelines to reflect : Paid as Agreed Account Closed Paid in Full Removal of unsupported late-payment indicators Deletion of any negative information that can not be substantiated with verified, documentary proof Proof of reasonable reinvestigation, including how disputed information was verified Confirmation of XXXX XXXX XXXX for all reported fields Assurance of future compliance with FCRA and FCBA requirements Closing Statement I have acted in good faith and exhausted reasonable attempts to resolve these matters directly with the credit reporting agencies and data furnishers. Their continued failure to correct known inaccuracies necessitates regulatory intervention. 

I respectfully request that the Consumer Financial Protection Bureau enforce my rights under XXXX  law and ensure that my credit report reflects accurate, complete, and verifiable information as required. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief