Consumer complaint received 2025-12-22 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: MS

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion continue to report inaccurate, inconsistent, incomplete, and unverifiable negative information on my credit file despite multiple disputes. The credit bureaus have failed to conduct lawful reinvestigations and have continued to publish data that does not meet the maximum possible accuracy standard required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ).

Each of the accounts listed below is being reported with material inconsistencies across bureaus, including contradictory payment statuses, balances, dates, account classifications, and delinquency histories. In several cases, accounts a
re reported as paid or closed with zero balances while simultaneously reflecting late payments, charge-offs, or collection status, which is logically and legally impossible.

The following accounts are disputed in full : XXXX XXXX XXXX XXXX XXXX XXXX This account is reported as paid and closed with a zero balance, yet late payments are still being furnished. No bureau or furnisher has provided a validated Date of First Delinquency, original contract, or complete payment history to justify the derogatory reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  This account is also reported as paid/closed with XXXX balance while containing derogatory payment history. Reporting late payments on a satisfied secured loan is inaccurate, misleading, and violates Metro 2 reporting standards. 

XXXX XXXXXXXX XXXX XXXX  This account is reported as paid and closed, yet contains a history of severe delinquencies. No explanation or documentation has been provided to explain how 90-day late payments can lawfully exist on an account with no past-due balance and a current status. 

XXXX XXXX XXXX XXXX  This account is reported as charged off with inconsistent balances, credit limits, dates, and payment histories across bureaus. No competent verification has been produced, including the original agreement or a verified payment application history. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  This collection account has been deleted by at least XXXX bureau, yet continues to be reported by others with conflicting data. XXXX has failed to provide proof of assignment, a valid contract, or a verified Date of First Delinquency. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  This account is reported as a charged-off unsecured loan with inconsistent balances, dates, and delinquency status. No documentation has been provided proving liability or compliance with FCRA and Metro 2 standards. 

XXXX XXXX XXXX * * This utility collection has been reported with inconsistent account types, balances, and dates. The furnisher has failed to provide a valid service agreement, proof of authority to bill, or a complete billing history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This collection account has already been deleted by one bureau, proving it can not be verified, yet continues to be reported elsewhere. No lawful authority, contract, or verified balance has been produced. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  This collection is being reported without proof of assignment, original creditor documentation, or a verified Date of First Delinquency. The account contains incomplete and contradictory data across bureaus. 

Despite my disputes, the credit bureaus appear to have relied solely on automated responses from furnishers without conducting independent, reasonable reinvestigations as required by 15 U.S.C. 1681i. Continuing to report these accounts without lawful verification constitutes willful noncompliance.

Company response to consumer: Closed with explanation