Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
[ PROPER IDENTIFICATION DOCS AND FULL DISPUTE LETTER ATTACHED ] Despite multiple formal disputes and comprehensive identity theft documentation ( FTC ID Report # XXXX & # XXXX ), Equifax has repeatedly failed to accurately report and investigate my credit file. This third dispute highlights Equifax 's persistent reliance on flawed furnisher data, ignoring its FCRA-mandated independent investigative duties, even when data is demonstrably inaccurate or contradictory across bureaus, directly violating federal law and perpetuating errors. Furthermore, since the submission of my FTC Identity Theft Report, Equifax has inexplicably made it increasingly difficult to access my online account and dispute methods, effectively forcing all communications through mail. This retaliatory and obstructive behavior is unacceptable and represents a deliberate barrier to consumer rights and the dispute process, proving Equifax 's reluctance to honor legitimate disputes and correct inaccurate information. 

Specifically : XXXX XXXX XXXX Account : This account, previously disputed as identity theft due to compromised information from a domestic partnership split, continues to be verified despite FCRA 605B documentation. Equifax 's reporting is inaccurate : it lists " Account Type '' as " Installment '' while other bureaus show " Auto Loan, '' and your " Date of Last Payment '' ( XX/XX/XXXX ) conflicts with XXXX ( XX/XX/XXXX ). These inconsistencies demonstrate unreliable data and inadequate investigation. 

XXXX XXXX Account : This account shows factually inaccurate late payment reporting. Equifax reports XXXX lates in XX/XX/XXXX and XX/XX/XXXX, directly contradicting XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for the same alleged events. A single delinquency can not exist on multiple timelines, proving unverifiable data. Furthermore, your " Payment Status '' of " Pays account as agreed '' conflicts with the reported lates. 

XXXX  XXXX XXXX XXXX Multiple Accounts ) : These accounts display inconsistent and illogical payment histories. For XX/XX/XXXX, my recently refreshed XXXX  report shows a 90-day late, while your portal shows a 120-day late for the exact same montha factual impossibility and direct internal contradiction. Reporting such severe delinquencies in the first month post-CARES Act forbearance ( payments resumed XX/XX/XXXX ) represents an illogical jump in status, indicative of a systemic reporting error. 

XXXX Mortgage / XXXX XXXX Account : This account is unverifiable due to pervasive inconsistencies. Your " Pays account as agreed '' status contradicts numerous reported XXXX and XXXX lates ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Payment history violates Metro 2 logic with illogical delinquency jumps. Your " Date Last Active '' ( XX/XX/XXXX ) and " Date of Last Payment '' ( XX/XX/XXXX ) materially conflict and differ from other bureaus, proving unreliable furnisher data and inadequate verification. 

Equifax 's investigations are clearly failing. They keep reporting errors and fraudulent items because they rely on bad information from lenders, showing clear negligence and willful disregard. Furthermore, Equifax failed the FCRA 's 30-day reinvestigation deadline ; my dispute submitted on XX/XX/XXXX, received a formal response only on XX/XX/XXXX, well past the statutory limit. 

Consumer Violations Committed by Equifax : Based on the detailed issues above, Equifax has committed the following violations of the Fair Credit Reporting Act ( FCRA ) : -FCRA 1681e ( b ) ( Maximum Possible Accuracy ) : Repeated failure to ensure that my credit file is reported with maximum possible accuracy, as evidenced by conflicting late payment dates for XXXX, varying account details for XXXX XXXX contradictory payment progressions for XXXX, and inconsistent late payment statuses for XXXX  XXXX XXXX 

-FCRA XXXX ( Reasonable Reinvestigation ) : Failure to conduct a reasonable and independent reinvestigation of disputed information, instead blindly deferring to furnisher data even when it is demonstrably flawed or contradicts other bureau reporting, and failing to complete reinvestigations within the statutory XXXX period. 

XXXX XXXX ( Blocking of Identity Theft Information ) : Failure to block or permanently delete identity theft-related information ( XXXX account ) within the mandated timeframe after receiving proper documentation. 

-FCRA XXXX & XXXX ( Willful and Negligent Noncompliance ) : Equifax XXXX pattern of ignoring identity theft documentation, reinserting disputed information, failing to ensure maximum accuracy, and not completing reinvestigations within statutory timelines demonstrates both negligent and willful noncompliance, making the company liable for actual and statutory damages.

Company response to consumer: Closed with non-monetary relief