Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am submitting this complaint to highlight multiple, ongoing inaccuracies and regulatory violations in my consumer credit reports as maintained by Equifax, Experian, and TransUnion. Despite prior disputes, reinvestigations, and formal complaints, these errors persist and continue to harm my creditworthiness, leading to unjustified credit denials, higher interest rates, and reputational damage. 

Core Issues Reported Unverified Late Payments and Contradictory Reporting XXXX XXXXXXXX XXXX XXXX ( Acct : XXXX * * ) * * Reported inconsistently : XXXX XXXX XXXX, while TransUnion shows Closed. 

Despite {$0.00} balance and paid status, all bureaus continue to publish XXXX, XXXX, and XXXX late payment codes, which are impossible under a closed/paid account. 

All three bureaus simultaneously label this account as Negative, conflicting with their own data. 

No bureau has provided a valid XXXX of XXXX under FCRA 1681i.

Billing Error Violations under 15 U.S.C. 1666 ( b ) XXXX XXXX ( Acct : XXXX * * ) * * Equifax reports Paid & Closed, {$0.00} balance, while Experian and TransUnion show XXXX & Current. 

A XXXX delinquency is being published despite no past-due balance, violating XXXX standards. 

This constitutes a billing error, as no proper XXXX advance notice was given, and no creditor proof has been provided. 

Inconsistent and XXXX XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ) Equifax lists {$310.00} balance, XXXX XXXX {$690.00} balanceyet all three show the same {$5400.00} credit limit. 

Equifax reports status as Deleted/Negative, while the others list XXXX & XXXX. 

Comments are inconsistent : Credit card Amount in H/C column is credit limit ( Equifax ) XXXX Dispute resolved consumer disagrees ( Experian/TransUnion ). 

These contradictions violate FCRA 1681e ( b ) ( maximum accuracy ) and XXXX reporting requirements. 

Legal Basis for Complaint FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy in reporting. Contradictions across bureaus demonstrate noncompliance. 

FCRA 1681i : Credit bureaus must reinvestigate disputes and provide a documented XXXX of XXXX. None of the bureaus have complied. 

XXXX XXXX. XXXX ( b ) : Creditors must properly apply payments and issue timely billing statements. Failure to reflect payments properly constitutes a billing error. 

XXXX XXXX. XXXX : Consumers have a right to pursue civil liability for willful noncompliance. 

XXXX Complaints & XXXX of XXXX I have previously filed CFPB complaints ( Cases XXXX, XXXX, XXXX ) regarding similar violations. The persistence of these errors demonstrates a pattern of ongoing noncompliance and disregard for consumer protections. 

Requested XXXX I respectfully demand the following corrective actions : Permanent removal of all derogatory late payment codes associated with the disputed accounts. 

Deletion of contradictory and unverifiable data across all three bureaus. 

Correction of billing errors and update of accounts to reflect XXXX as Agreed / Current status. 

Proof of compliance in the form of notarized statements from data furnishers verifying the legality and accuracy of reported items. 

Written confirmation of all corrections to be mailed to my verified address. 

Supporting Evidence Attached copies of Equifax, Experian, and TransUnion reports highlighting the disputed accounts. 

Documentation of previously filed CFPB case numbers. 

Copies of dispute letters sent to all three credit bureaus with detailed breakdowns of violations.

Company response to consumer: Closed with non-monetary relief