Consumer complaint received 2025-09-12 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:
On or XX/XX/scrub>XXXX XXXX  I sent dispute letters to Experian and Equifax concerning the reporting of inaccurate credit information on my credit profile based on inaccurate reporting provided to them from XXXX XXXX XXXX  XXXX. 

Experian ultimately responded to my dispute with the same generic response that Experian always provide, simply that they have verified the information. However, I challenge the veracity of this. I sent the same letter to XXXXXXXX XXXX XXXX XXXX. In the letter, I explain that XXXXXXXX XXXX XXXX XXXXXXXX had been mis-reported me as late and my account balance because they failed to apply a credit to my account from a company XXXX XXXX XXXX XXXX 

The failure to report that credit, not misrepresented the balance owed on that account, inflated my credit usage, which impacted my credit score, but it also had the effect to make me late on payments when I otherwise would have not have been late. Additionally, XXXX closed the account making it impossible to make payments, while continuing to report the late payments and incorrect balance. 

Experian failed to conduct a meaningful and properly investigation on these items that I raised in the dispute letter. They simply rubber stamped a verification merely because my letter acknowledged that there was a debt with XXXX. My dispute was not that there was a debt that existed, but the dispute that deserved investigation was the inaccurate reporting of my account balance and payment status. I believe Experians actions violates. As you know in XXXXXXXX XXXX XXXX, suit was filed against Experian for Improper Investigation of Disputes and Failure to Deleter Inaccuracies, among other things. This matter falls squarely into that category as Experian failed to verify or request from XXXX XXXX XXXX XXXXXXXX any accounting that would establish my balances were being correctly reported. 


In the case of Equifax, they simply failed to conduct an investigation. Instead, Equifax sent me a letter stating that my dispute was improper because I had an already pending investigation. This was not true because the dispute that was filed Equifax prior to my XX/XX/XXXX letter was closed by me prior to sending my XX/XX/XXXX letter. Equifax online portal for me now reflects incorrect dates and does not otherwise reflect that I mailed in my XX/XX/XXXX letter to levy the dispute. 

In both cases, Experian and Equifax have violated the CFPA by failing to properly investigate and delete inaccurate information, and in Equifax case they have made a bold misrepresentation regarding my actual disputes. 

Additionally, I sent a letter to XXXXXXXX XXXX XXXX XXXXXXXX regarding its activity in falsely reporting my account balances and payment status to those reporting agencies. I might add that in the case of disputing this same matter with XXXX they properly removed this FNBO reporting from credit profile and I believe that Experian and Equifax should follow the law and do the same. XXXXXXXX XXXX XXXX XXXXXXXX remain steadfast and refuses to acknowledge or remediate their error.

Company response to consumer: Closed with explanation