Consumer complaint received 2026-06-11 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: OR

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting that continues to appear on my consumer credit files despite my efforts to ensure that only complete, accurate, and verifiable information is being reported. Across my credit reports, I have identified multiple accounts that contain information requiring thorough investigation and verification. Specifically, Experian reports XXXX XXXX XXXX XXXX Balance : {$0.00} Open date : XX/XX/XXXX Last activity : XXXX XXXX XXXX XXXX Late Over XXXX Days and a second entry reported as XXXX XXXX XXXX XXXX XXXX : {$0.00} Open date : XX/XX/XXXX Last activity : XXXX XXXX, XXXX XXXX Over XXXX Days, while Equifax reports XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXX Late Over XXXX Days and XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX date : XX/XX/XXXX Last activity : XX/XX/XXXX Late Over XXXX Days. In addition, Experian reports XXXX XXXX XXXX XXXX Balance : {$11000.00} Last activity : XX/XX/XXXX, XXXX in regular, Equifax reports XXXX XXXX XXXX XXXX Balance : {$11000.00} Last activity : XX/XX/XXXX XXXX XXXX in regular, and TransUnion reports XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX activity : XX/XX/XXXX, XXXXincluded in regular XXXX These reporting differences involving balances, activity dates, account status information, and payment history indicators raise concerns regarding the accuracy, completeness, and reliability of the information being furnished and maintained. Pursuant to the Fair Credit Reporting Act, including Section 611 ( 15 U.S.C. 1681i ), Section 607 ( b ), and Section 623, I am requesting that the credit reporting agencies and furnishers conduct a complete reinvestigation of all disputed information, verify the accuracy of every reported data field through competent evidence and documentation, review the consistency of reporting across all consumer reporting agencies, and correct any information that is found to be inaccurate, incomplete, inconsistent, unsupported, or unable to be fully verified so that my credit reports reflect only accurate and properly substantiated information in compliance with federal law. As a consumer, I am entitled to the protections afforded by the Fair Credit Reporting Act. Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), I am formally requesting a reasonable reinvestigation of the disputed information identified in this correspondence. In addition, FCRA Section 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported concerning consumers. Furthermore, FCRA Section 623 places responsibilities upon furnishers of information to provide accurate data and to conduct investigations regarding disputed information when such disputes are communicated through a consumer reporting agency. These provisions collectively establish the framework through which the accuracy and integrity of consumer credit reporting must be maintained.

Company response to consumer: Closed with explanation