Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17815548
Complaint Overview
Complaint ID: 17815548
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: South Carolina
ZIP Code: 29414
Date Received: 2025-12-07T12:00:00-05:00
Date Sent to Company: 2025-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this follow- up statement because I have identified multiple inconsistencies, mismatched reporting dates, and incomplete information appearing across all three major credit reporting agencies Experian, Equifax , and TransUnion regarding several of my closed accounts that currently reflect a {$0.00} balance. Despite these accounts being closed, each bureau displays different late payment months, varying levels of delinquency, or omits portions of the payment history entirely, raising concerns about whether the agencies have complied with their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. For example, my XXXX accounts are reported by Equifax and TransUnion as having extended sequences of XXXX and XXXX late payments during XXXX and XXXX, while Experian does not report these delinquencies at all. This discrepancy indicates that at least one bureau is not receiving, verifying, or updating information consistently with the furnisher. Additionally, my XXXX XXXX account shows different late payment patterns depending on the bureau : Experian reflects late payments from XX/XX/XXXX through XX/XX/XXXX, Equifax reports a slightly different sequence beginning in XX/XX/XXXX through XX/XX/XXXX, and TransUnion lists yet another variation covering late periods from XX/XX/XXXX through XX/XX/XXXX. Since these agencies should all be receiving the same verified data from the same creditor, such discrepancies suggest a failure to maintain accurate and uniform reporting as required under FCRA Section 607 ( b ). My closed XXXX accounts further illustrate this issue, as Experian shows XXXX late entries that do not appear on Equifax or TransUnion, indicating again that the information is not being transmitted, matched, or verified consistently. These inconsistencies lead me to believe that previous reinvestigations conducted by the bureaus may not have satisfied the requirements of FCRA Section 611, which mandates a reasonable and thorough reinvestigation of disputed information. Because the dates of last activity, late payment entries, and payment histories differ across the bureaus, this indicates that the information has not been fully or accurately verified.
Frequently Asked Questions
What is Complaint #17815548 about?
Complaint #17815548 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 2025-12-07T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.