Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13767064
Complaint Overview
Complaint ID: 13767064
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Massachusetts
ZIP Code: 01902
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Equifax, Experian, and TransUnion continue to report inaccurate, unverifiable, and conflicting information on my credit report despite XXXX formal disputes already sent. All three credit bureaus have failed to provide the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) and are publishing tradelines that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Ive included image evidence showing that the data for the same accounts is reported differently across the three credit bureaus, with material discrepancies in account status, high credit limits, last payment dates, and charge-off comments. These conflicts clearly violate FCRA 1681e ( b ), which requires credit bureaus to report information with maximum possible accuracy. Disputed Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX XXXX Equifax reports account as Open while Experian and TransUnion show Closed High credit is inconsistent ( {$890.00} on Equifax vs. {$1300.00} on TransUnion ) Different dates for last activity and payment Reports Charge-Off with a {$0.00} balance marked Open this violates XXXX XXXX XXXX XX/XX/XXXX formatting XXXX. XXXX XXXX XXXX XXXX XXXX High credit is inconsistent : {$1200.00} ( Experian/Equifax ) XXXX {$2700.00} ( TransUnion ) Different last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ) Conflicting comments : Unpaid Balance Reported As A Loss vs. Charged Off Account XXXX. XXXX XXXX Equifax reports the account as Open, Experian shows Closed, and TransUnion omits it High credit listed as {$0.00} ( Experian ) vs. {$4800.00} ( Equifax ) Last payment date varies between XX/XX/XXXX and XX/XX/XXXX All of this contradicts XXXX XXXX and FCRA standards Laws Violated : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccurate data XXXX XXXX Field Guidelines Conflicting charge-off statuses, Open + {$0.00} + Charge-Off inconsistencies
Frequently Asked Questions
What is Complaint #13767064 about?
Complaint #13767064 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-27T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.