Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am submitting this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, Experian, TransUnion, and multiple data furnishers. Despite submitting formal disputes and identity verification, inaccurate and unverified information continues to be reported on my consumer credit reports, causing ongoing harm. 

The consumer reporting agencies and furnishers failed to conduct lawful reinvestigations, improperly verified disputed information without evidence, and continued furnishing negative data that can not be substantiated. This conduct violates 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

Verification without documentation is not compliance. 

DISPUTED ACCOUNTS ( ALL ITEMS ) XXXX. XXXX XXXX  XXXX XXXX Account ending in XXXX This account is closed yet continues to be reported with XXXX and XXXX delinquency codes, inconsistent balances, and conflicting dates across Equifax, Experian, and TransUnion. 

Despite disputes, the account was verified without providing : A complete Metro 2compliant payment history Original billing statements Proof of delinquency calculations Signed agreement Key fields such as date opened, high credit, credit limit, payment status, date last active, and date of last payment materially conflict across bureaus, rendering the tradeline unreliable. 

Because this account is closed, severely derogatory, and can not be fully validated, the only lawful remedy is permanent deletion of the entire tradeline. 

XXXX XXXX XXXX XXXX  Account ending in XXXX This account is closed and continues to be reported with XXXX and XXXX late payments and past-due balances. After disputes were submitted, the account was improperly marked as account not disputed. 

The furnisher failed to produce : Original billing statements Signed agreement Complete Metro 2 payment history Reporting a closed account as delinquent without proof violates FCRA accuracy and reinvestigation requirements. This account provides no benefit to my credit profile and must be permanently deleted in full. 

XXXX. XXXX XXXX  Account ending in XXXX This is an open, active credit card that is inaccurately reported with XXXX late payment remarks across all three bureaus. 

Although the dispute was marked resolved, the derogatory payment history remained, showing that no meaningful reinvestigation occurred. 

The furnisher failed to provide documentation validating the late payments. This account is not charged off, not closed, and not in default. 

I am not requesting deletion of the tradeline. I am demanding permanent deletion of all late payment indicators and an update to PAY AS AGREED. 

XXXX XXXX XXXX XXXX Account ending in XXXX This auto loan is paid, closed, and reported positively on Equifax , yet Experian and TransUnion continue to report late payment history that does not exist on Equifax . 

The same account can not be both positive and delinquent at the same time. Conflicting reporting proves that reasonable procedures to ensure accuracy are not being followed. 

I am not requesting deletion of the tradeline. I am demanding permanent deletion of all late payment history on Experian and TransUnion, so the account reflects PAID AS AGREED, consistent with Equifax. 

XXXX. XXXX XXXX XXXX Account ending in XXXX This account is open and active yet is reported with XXXX and XXXX late payment remarks, past-due balances, and inconsistent account type details across bureaus ( auto loan vs. auto lease ). 

The furnisher failed to validate : Late payment history Metro 2 field accuracy Account type consistency This account is not charged off or closed. Continuing to report it as delinquent without proof is inaccurate. 

I am demanding permanent deletion of all late payment indicators and an update to PAY AS AGREED across all bureaus. 

XXXX. XXXX XXXX XXXX Account ending in XXXX This account is open, current, and shows no late payments, yet it has been coded as negative. 

Reporting an account as adverse when the payment history reflects current status violates FCRA accuracy requirements. There is no lawful basis for negative reporting. 

I am demanding immediate correction to PAY AS AGREED and removal of the negative account status. 

PATTERN OF NONCOMPLIANCE Across all disputed accounts : Disputes were verified without evidence Original records were not provided Metro 2 data fields conflict across bureaus Negative information continued after disputes This demonstrates systemic failure to conduct reasonable reinvestigations and willful furnishing of unverified information. 

CONSUMER HARM As a result of these violations : My credit score has been unjustly suppressed My creditworthiness has been misrepresented I have been subjected to adverse financial consequences I have spent extensive time correcting errors that should not exist REQUESTED CFPB RESOLUTION I respectfully request that the CFPB require the involved parties to : Permanently delete all tradelines that can not be fully validated Delete all unverified late payment history Correct all inaccurate Metro 2 data fields Update eligible accounts to PAY AS AGREED Cease reporting information that can not be proven accurate, complete, and compliant If these violations are not corrected, I am prepared to pursue all available legal remedies under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief