Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute and escalate the continued reporting of multiple inaccurate, inconsistent, and unverifiable accounts on my consumer credit reports. Despite prior disputes, these accounts continue to be reported with material inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). 

Each of the accounts listed below is reported with conflicting data across Equifax, Experian, and XXXX, including discrepancies in account status, dates opened, balances, payment status, and legal characterization. These contradictions can not coexist as accurate under Metro 2 reporting standards and demonstrate a failure to maintain maximum possible accuracy. 

XXXX Account # XXXX This account is reported with materially inconsistent information across consumer reporting agencies. One bureau reports the account as open while another reports it as closed. The date opened and date of last activity are reported differently depending on the bureau. The balance of {$35000.00} is reported without any supporting payment history or transactional ledger. 

The original creditor is not clearly identified, and no documentation has been provided establishing ownership, authorization, or a valid chain of title. Equifax does not report this account at all, which further confirms that the data is incomplete, unreliable, and unverifiable. Continued reporting of this account constitutes a violation of 15 U.S.C. 1681e ( b ) and 1681i. 

XXXX  XXXX Account # XXXX This account is reported with conflicting account type classifications, inconsistent dates opened, and contradictory payment status fields across bureaus. While the account is marked as closed with a zero balance, the payment status is reported differently across reporting agencies, including unknown and current, which can not coexist as accurate.

Additionally, the remarks associated with this account are materially inconsistent. Some bureaus report the account as included in bankruptcy, others as discharged, and others simply reference a XXXX XXXX XXXX without clarifying legal status. The original creditor is reported as unknown on certain bureaus, and no documentation has been produced establishing lawful furnishing authority. Continued reporting after dispute constitutes negligent and potentially willful noncompliance. 

XXXX XXXX Account # XXXX This collection account is reported with conflicting account status, inconsistent dates opened, and materially different last activity dates across bureaus. The balance of {$47000.00} is reported without any documented payment history or itemized accounting. The original creditor is not clearly identified, and no chain of title or contractual authorization has been provided. 

Equifax does not report this account, while Experian and XXXX  report materially different versions of the same alleged debt. A legitimate, enforceable debt does not selectively exist with different facts depending on the bureau. This account is inaccurate, unverifiable, and legally impermissible as reported. 

Legal Violations The continued reporting of these accounts violates, but is not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to properly investigate disputed information FTC Act 5 Unfair and deceptive reporting practices These violations have caused ongoing harm, including suppressed credit scores, reduced access to credit, higher borrowing costs, and emotional distress.

Company response to consumer: Closed with explanation