Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB COMPLAINT NEW EVIDENCE AND DISCOVERY. 
Consumer : XXXX XXXX. 
Against : Equifax Information Services LLC and XXXX XXXX XXXX  ( XXXX ), XXXX. 
Subject : Continued unlawful and inaccurate reporting of charged-off accounts ; failure to delete unverifiable data ; violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 
Reference : Prior complaint # XXXX ( Closed XX/XX/XXXX ) Resubmission based on new evidence and discovery. 

This submission includes new evidence and new discovery dated XX/XX/XXXX, obtained directly from my current Equifax credit report. The newly discovered records show that Equifax continues to publish inaccurate XXXX XXXX tradelines even after the prior CFPB complaint and XXXX claim of resolution. Specifically, the new Equifax credit report reveals two active XXXX XXXX accounts still coded as Charge-Off while carrying positive balances. One account ending XXXX shows a {$3700.00} balance and lists Account previously in dispute now resolved by data furnisher. Another account ending XXXX shows a {$510.00} balance with the same notation. Both accounts show new reporting dates of XX/XX/XXXX and Date of First Delinquency fields in XXXX, proving Equifax has continued to re-report these items as current derogatories. These XX/XX/XXXX files, which were not available during the prior complaint, constitute new discovery confirming repeated violations of FCRA and Metro 2 rules by both Equifax and XXXX XXXX. 

The notation Account previously in dispute now resolved by data furnisher is itself a red-flag admission that Equifax relied solely on the furnishers statement rather than conducting a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Federal precedent ( see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX v. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) holds that a CRA can not merely parrot a furnishers response. Equifaxs continued use of this notation without producing verifiable contractual evidence shows the reinvestigation was superficial and non-compliant. 

Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable data must be deletednot retained with altered field values. Neither XXXX XXXX nor Equifax has produced a signed agreement, full account ledger, or legally sufficient itemized billing history. Minor field updates to closed date, scheduled payment, or account history do not constitute verification. These accounts remain unverifiable and must therefore be deleted in full. 

Equifax is also in violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) for failing to ensure maximum possible accuracy. The Metro 2 Credit Reporting Resource Guide XXXX and XXXX specify that a status XXXX ( Charge-Off ) must reflect a {$0.00} balance unless the debt has been sold and ownership is clearly documented. Both tradelines report ongoing balances with blank Sold To and Purchased From fields, violating industry accuracy codes. 

The new XX/XX/XXXX records also demonstrate unlawful re-aging under FCRA 623 ( a ) ( 5 ) and 12 C.F.R. 1022.31 ( a ) ( 2 ). Despite original delinquencies from XXXX, Equifax lists new Date Reported entries in XX/XX/XXXX, effectively restarting the reporting period and artificially extending derogatory impact beyond the 7-year limit. 

Additionally, Equifax and XXXX XXXX failed to retain the required consumer disputes this information indicator after reinvestigation, violating FCRA 623 ( a ) ( 3 ). This omission misleads lenders by suggesting the accuracy of accounts still under active dispute. 

These new findings constitute material new discovery demonstrating repeated willful and negligent non-compliance under FCRA 616 and 617. The continuation of false charge-off balances has caused measurable harm, including lowered credit scores, distorted credit-to-debt ratios, and adverse lending decisions. 

Requested corrective actions : Permanently delete the XXXX XXXX accounts ending XXXX and XXXX from my Equifax file as unverifiable. 
Provide written certification of deletion and notice to all creditors who obtained my file within the past six months. 
Require XXXX XXXX to produce the original signed agreements and full billing ledgers if verification is to continue. 
Conduct a manual reinvestigation and audit Equifaxs Metro 2 compliance procedures to prevent further violations.

Issue a written notice confirming compliance with FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 5 ). 

The newly discovered XX/XX/XXXX Equifax reports and supporting materials establish that Equifax and XXXX XXXX knowingly re-published false, incomplete, and re-aged information after the prior complaints closure. The phrase account previously in dispute now resolved by data furnisher confirms no independent verification occurred. Under FCRA 611 ( a ) ( 5 ) ( A ), both accounts must be deleted immediately, and full corrective enforcement is requested.

Company response to consumer: Closed with non-monetary relief