Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal complaint against Equifax for repeated and systemic violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. I have disputed multiple negative items on my Equifax credit report, most recently a tradeline by XXXX XXXX XXXX, which was verified despite serious reporting deficiencies. 

Equifax has failed to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ) and relies on the flawed and automated e-OSCAR system, which does not constitute a reasonable investigation. Equifax continues to accept responses from furnishers without requiring original documentation or validating completeness.

Legal Basis : Violations of the following apply : 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy 1681i ( a ) : Failure to conduct a lawful reinvestigation 1681s-2 ( b ) : Failure by the furnisher to correct inaccurate data Metro 2/CDIA Standards : Failure to report key fields such as date of last payment and actual payment history Cushman v. TransUnion Corp. , 115 F.3d 220 ( 3rd Cir. 1997 ) confirms a credit reporting agency may not blindly rely on the furnishers response and must independently verify data. 



Nature of the Dispute : The tradeline from XXXX XXXX XXXX is being reported with the following fatal errors : Missing date of last payment required for any tradeline with a balance No actual payment history reported Inconsistent balance increases with no supporting documentation Use of outdated address not tied to my current legal identity mixed file violation No original application, signed contract, or bill of sale from XXXX XXXX provided Verified using e-OSCAR with no human review One more thing I have attached a screenshot from my Equifax credit report showing the XXXX Funding account listed as both CLOSED and OPEN simultaneously. This is a Metro 2 formatting violation and an FCRA 1681e ( b ) error. A tradeline can not be simultaneously closed and listed as an open account type, especially when its in collection status. This conflicting status is materially misleading to lenders and was verified despite multiple reporting errors. I request immediate deletion of this account Also XXXX XXXX  has bill addressed to a Florida address XXXX  Has XXXX  address highlighted These failures violate FCRA 1681i ( a ) ( 5 ), which requires deletion of any item that can not be verified with accuracy and completeness.

Real-World Harm : Due to Equifaxs actions, I have suffered : Rejection for credit offers and higher interest rates Reputational damage due to inaccurate derogatory items Emotional distress from repeated unlawful verifications Relief Requested : I respectfully request the CFPB take regulatory or enforcement action and require Equifax to : 1. Immediately delete the XXXX XXXX account ( and any others ) that are unverifiable under FCRA 609 and 611 2. Prohibit continued use of e-OSCAR without supplemental manual review 3. Require proof of ownership and original source documentation from data furnishers 4. Confirm deletion or corrections in writing and notify all third-party users Screenshot or pdf of Equifax tradeline showing missing date of last payment CFPB case response from XXXX XXXX XXXX report excerpts Government-issued ID + proof of address

Company response to consumer: Closed with non-monetary relief