Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION AND DEMAND FOR STATUTORY DAMAGES Reference Number : [ Your Credit Report Number ] Account in Dispute : XXXX XXXX XXXX To Whom It May Concern : This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple serious violations in my consumer credit report. I am also seeking statutory damages of {$1000.00} for willful noncompliance pursuant to 15 U.S.C. 1681n.

I recently reviewed my credit report and discovered the following serious violations that mirror those identified in the Consumer Financial Protection Bureau 's enforcement action against your organization : 1. **REINSERTION OF PREVIOUSLY CORRECTED INFORMATION ( 611 ( a ) ( 5 ) VIOLATION ) ** My report contains information regarding XXXX XXXX XXXX that was previously disputed and corrected. As shown in my credit report dated XX/XX/XXXX, a " Fixed rate '' remark was newly added to this account while simultaneously showing remark codes being removed from other accounts. This inconsistent handling constitutes a violation of FCRA 611 ( a ) ( 5 ), which requires your agency to maintain reasonable procedures to prevent the reappearance of deleted information. 

2. **FAILURE TO FOLLOW REASONABLE PROCEDURES ( 607 ( b ) VIOLATION ) ** The inconsistent reporting of my XXXX XXXX XXXX account 's payment history demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy. As evident in my credit report notifications from XX/XX/XXXX, there are contradictory changes to my payment history that create an inaccurate representation of my credit profile. This constitutes a violation of FCRA XXXX ( b ). 

3. **INADEQUATE REINVESTIGATION ( 611 ( a ) ( 1 ) ( A ) VIOLATION ) ** My previous dispute regarding my XXXX XXXX XXXX account was not properly investigated. The notification dated XX/XX/XXXX shows arbitrary and inconsistent changes to my payment history with no logical pattern : XX/XX/XXXX was changed from " Current '' to " 30 Days Late '' while XX/XX/XXXX was simultaneously changed from " 30 Days Late '' to " Current. '' This contradictory outcome demonstrates a failure to conduct a reasonable reinvestigation, violating FCRA 611 ( a ) ( 1 ) ( A ). 

4. **FAILURE TO BLOCK IDENTITY THEFT INFORMATION ( 605B VIOLATION ) ** Despite submitting an identity theft report on [ date ] regarding [ fraudulent account details ], this information continues to appear on my report. This is a direct violation of FCRA 605B, which requires consumer reporting agencies to block information resulting from identity theft.

5. **CONTRADICTORY REPORTING ( METRO 2 COMPLIANCE VIOLATION ) ** The payment history for my XXXX XXXX XXXX account shows contradictory information where XX/XX/XXXX was changed from " Current '' to " 30 Days Late '' while XX/XX/XXXX was simultaneously changed from " 30 Days Late '' to " Current. '' This illogical reporting pattern violates Metro 2 Format requirements under the XXXX XXXX XXXX XXXX ( XXXX ) and undermines the accuracy requirements of FCRA 623 ( a ) ( 1 ) ( A ). Additionally, the unusual " Fixed rate '' remark added to the account does not conform to standard Metro 2 Special Comment Code formatting.

6. **INACCURATE CREDIT SCORE CALCULATION** Based on the documented coding errors identified in the CFPB enforcement action against Equifax, I have reason to believe my credit score has been miscalculated due to the inconsistent reporting of my XXXX XXXX XXXXXXXX XXXX This has caused me direct financial harm by negatively impacting my ability to secure favorable interest rates and credit terms.

Company response to consumer: Closed with explanation