{"took":85,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":427,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13948447","_score":17.200062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax and Experian are showing deliquent for different dates, of which XXXX XXXX company states : After a thorough review of the account, our Credit Reporting Department has removed delinquencies for the XX/XX/year> and XX/XX/year> reporting as the borrower was approved for a forbearance plan during that time and they were reported delinquent in error. I was NOT deliquent in the year of XXXX, and was under a forbearance. ALso both Equifax and Experian have contradicting dates of which BOTH are wrong. \n\nI am submitting this complaint because Equifax is furnishing inaccurate information that negatively impacts my creditworthiness. It is essential that both parties act in good faith. I have upheld my responsibilities and expect Equifax to do the same. To ensure compliance with consumer laws, I must emphasize that Equifax is causing direct harm and violating federal regulations.","date_sent_to_company":"2025-06-07T04:43:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"13948447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T04:42:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Equifax</em> and Experian are showing deliquent for different dates, of which XXXX XXXX company states : <em>After</em> a <em>thorough</em> <em>review</em> of the account, our <em>Credit</em> <em>Reporting</em> Department has removed delinquencies for the XX/XX/year> and XX/XX/year> <em>reporting</em> as the borrower was approved for a forbearance plan during that time and they were <em>reported</em> delinquent in error. I was NOT deliquent in the year of XXXX, and was under a forbearance."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.200062,"13948447"]},{"_index":"complaint-public-v1","_id":"13948053","_score":17.197636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax and Experian are showing deliquent for different dates, of which XXXX XXXX company states : After a thorough review of the account, our Credit Reporting Department has removed delinquencies for the XX/XX/year> and XX/XX/year> reporting as the borrower was approved for a forbearance plan during that time and they were reported delinquent in error. I was NOT deliquent in the year of XXXX, and was under a forbearance. ALso both Equifax and Experian have contradicting dates of which BOTH are wrong. \n\nI am submitting this complaint because Equifax is furnishing inaccurate information that negatively impacts my creditworthiness. It is essential that both parties act in good faith. I have upheld my responsibilities and expect Equifax to do the same. To ensure compliance with consumer laws, I must emphasize that Equifax is causing direct harm and violating federal regulations.","date_sent_to_company":"2025-06-07T04:43:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"13948053","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-07T04:25:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Equifax</em> and Experian are showing deliquent for different dates, of which XXXX XXXX company states : <em>After</em> a <em>thorough</em> <em>review</em> of the account, our <em>Credit</em> <em>Reporting</em> Department has removed delinquencies for the XX/XX/year> and XX/XX/year> <em>reporting</em> as the borrower was approved for a forbearance plan during that time and they were <em>reported</em> delinquent in error. I was NOT deliquent in the year of XXXX, and was under a forbearance."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.197636,"13948053"]},{"_index":"complaint-public-v1","_id":"11678817","_score":16.934172,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Credit Reporting Discrepancy Complaint Description : I am submitting this complaint to report inaccurate information on my credit report provided by Equifax. After reviewing my Equifax credit report dated XX/XX/year>, I noticed discrepancies regarding my credit accounts, particularly : 1. The Accounts with Negative Information section is flagged, but upon reviewing the detailed account data, there are no balances, open accounts, or negative records that should be reported under this category. \n2. My credit accounts are inaccurately described as having a {$0.00} credit limit and {$0.00} balances across all accounts, which is inconsistent with my actual credit activity. \n\nThese inaccuracies have the potential to harm my creditworthiness and misrepresent my financial standing. I request Equifax to : Conduct a thorough review of the errors. \nCorrect any discrepancies in my credit report. \nProvide an updated, accurate credit report to all reporting agencies. \n\nI have attached supporting screenshots from my Equifax account that clearly show the inaccurate information. I expect a prompt resolution to ensure my credit report accurately reflects my credit history. \n\nDesired Resolution : 1. Rectify all inaccurate information on my Equifax credit report. \n2. Notify me once the corrections have been made and provide me with an updated report.\n\n3. Inform all third-party entities that received my incorrect credit report of the updated and corrected version. \n\nAttached Files : Screenshot of the Accounts with Negative Information section. \nScreenshot of the Credit Report Summary showing no negative accounts but conflicting data. \n\nThank you for addressing this matter Promptly.","date_sent_to_company":"2025-01-22T01:26:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11213","tags":"Servicemember","has_narrative":true,"complaint_id":"11678817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T01:17:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Equifax</em> <em>Credit</em> <em>Reporting</em> Discrepancy <em>Complaint</em> Description : I am submitting this <em>complaint</em> to <em>report</em> inaccurate information on my <em>credit</em> <em>report</em> provided by <em>Equifax</em>. <em>After</em> <em>reviewing</em> my <em>Equifax</em> <em>credit</em> <em>report</em> dated XX/XX/year>, I noticed discrepancies regarding my <em>credit</em> accounts, particularly : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.934172,"11678817"]},{"_index":"complaint-public-v1","_id":"11016458","_score":16.370996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit file after being denied credit, I discovered that incorrect information is being reported, including fraudulent accounts such as an apartment lease, a mobile phone, and a credit card. I am filing this complaint against XXXX, Equifax, and XXXX for failing to thoroughly investigate and verify the accuracy of this information before reporting it. \n\nI have formally disputed these accounts with each credit reporting agency, notifying them that I do not recognize or authorize these accounts. Additionally, I suspect I am a victim of the Equifax data breach, as I have received notifications indicating my information was compromised. I believe these fraudulent accounts were opened as a result of this breach.\n\nBased on my understanding of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, any account identified as fraudulent by the consumer must be thoroughly investigated and blocked from the credit file. Furthermore, under Section 611 ( a ) of the FCRA, credit reporting agencies are required to report accurate information and must promptly investigate and remove all disputed inaccuracies. \n\nThese fraudulent accounts are causing significant hardship, and I request an immediate investigation into this matter.","date_sent_to_company":"2024-12-03T05:12:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95822","tags":null,"has_narrative":true,"complaint_id":"11016458","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T05:12:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Upon <em>reviewing</em> my <em>credit</em> file <em>after</em> being denied <em>credit</em>, I discovered that incorrect information is being <em>reported</em>, including fraudulent accounts such as an apartment lease, a mobile phone, and a <em>credit</em> card. I am filing this <em>complaint</em> against XXXX, <em>Equifax</em>, and XXXX for failing to <em>thoroughly</em> investigate and verify the accuracy of this information before <em>reporting</em> it."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.370996,"11016458"]},{"_index":"complaint-public-v1","_id":"13178262","_score":16.11392,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB reported a case responded to and closed it, though the case has never been responded to, only repeated back, and is still fully open. \n\nBoth I and XXXX XXXX XXXX brought to Equifax and CFPB that the falsification of my credit card has been investigated and Equifax is negligent. \n\nEquifax sends the below every 30 days : Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. \n\nThis has been going on for YEARS - Equifax is falsifying my credit report and CFPB is complicit - see excerpt of previous : This is exactly why Trump and his voters like me want CFPB employees fired. Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notified me the company responded. Equifax did not respond ; it returned the complaint. Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX, XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. \n\nEquifax continues falsifying my information and CFPB is complicit, saying it responded when it did not ; it took 30 days to send the complaint back to CFPB. Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is, Equifax IS a credit reporting agency, who exists solely to report creditors. \n\nCFPB and Equifax are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse.","date_sent_to_company":"2025-04-25T20:03:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13178262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-25T19:50:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Thus my <em>credit</em> continues being falsified year <em>after</em> year, since all the other <em>credit</em> bureaus XXXX, XXXX, and XXXX are <em>reporting</em> and only <em>Equifax</em> is not. <em>Equifax</em> 's responsibility is to <em>report</em> my <em>credit</em> accurately and CFPB 's is to address <em>complaints</em> positively or negatively. \n\n<em>Equifax</em> continues falsifying my information and CFPB is complicit, saying it responded when it did not ; it took 30 days to send the <em>complaint</em> back to CFPB."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.11392,"13178262"]},{"_index":"complaint-public-v1","_id":"18329174","_score":16.080637,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint as a consumer to dispute inaccurate and unverifiable information appearing on my Equifax credit report. After reviewing my credit file, I found accounts that are being reported incorrectly and without proper verification, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nCharged-Off Account in Dispute XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00} This charged-off account is disputed due to accuracy and verification concerns. I am requesting that Equifax conduct a thorough investigation and obtain proper documentation from the furnisher. If Equifax can not verify the accuracy and legality of this account, it must be deleted. \n\nLate Payment in Dispute XXXX XXXX XXXXXXXX Account Number : XXXX The late payment reporting on this account is inaccurate and disputed. I am requesting Equifax to validate this reporting. If the late payment can not be verified, it must be removed from my credit file. \n\nAttachments Submitted : Copy of government-issued photo ID Proof of current address Supporting dispute documentation","date_sent_to_company":"2025-12-28T17:44:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"595XX","tags":null,"has_narrative":true,"complaint_id":"18329174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-28T17:39:05.000Z","state":"MT","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> as a consumer to dispute inaccurate and unverifiable information appearing on my <em>Equifax</em> <em>credit</em> <em>report</em>. <em>After</em> <em>reviewing</em> my <em>credit</em> file, I found accounts that are being <em>reported</em> incorrectly and without proper verification, in violation of my rights under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.080637,"18329174"]},{"_index":"complaint-public-v1","_id":"14288194","_score":16.075754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX to Equifax regarding an account ending in XXXX ( XXXX ). This account does not belong to me. After my prior disputes, both TransUnion and Experian have thoroughly investigated this matter, confirmed the reporting was inaccurate, and have since removed the account from my credit files. However, Equifax continues to report this account inaccurately despite being notified of the error and provided supporting evidence of its invalidity. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that the CFPB review this matter. Under 15 U.S.C. 1681i, a consumer reporting agency is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item on their report. XXXX continued reporting of this account after confirmation from other bureaus that the account is inaccurate constitutes a failure to meet this obligation. Additionally, XXXX XXXX XXXX has failed to fulfill its responsibilities as a data furnisher under 15 U.S.C. 1681s-2 ( b ) to correct and update information supplied to consumer reporting agencies once it learns of inaccuracies. I have attached the deletion of the account from Experian for your review. I respectfully request the following : XXXX deletion of this account from my Equifax credit report.","date_sent_to_company":"2025-06-25T16:50:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22193","tags":null,"has_narrative":true,"complaint_id":"14288194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T16:40:22.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to file a formal <em>complaint</em> regarding inaccurate <em>credit</em> <em>reporting</em> by XXXX XXXX XXXX to <em>Equifax</em> regarding an account ending in XXXX ( XXXX ). This account does not belong to me. <em>After</em> my prior disputes, both TransUnion and Experian have <em>thoroughly</em> investigated this matter, confirmed the <em>reporting</em> was inaccurate, and have since removed the account from my <em>credit</em> files."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.075754,"14288194"]},{"_index":"complaint-public-v1","_id":"13194909","_score":15.89561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"AGAIN I was denied for a loan because \" Equifax doesn't match your other credit reports '' CFPB is reporting this case responded to and closed it. The case has never been responded to, only repeated back, and is still fully open. \n\nBoth I and XXXX XXXX Bank brought to Equifax and CFPB that the falsification of my credit card has been investigated and Equifax is negligent. \n\nEquifax sends the below every 30 days : \" Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' For YEARS Equifax has been falsifying my credit report, with CFPB apparently complicit -see excerpt of all previous : This is exactly why Trump and his voters like me want CFPB employees fired. \n\nAGAIN : Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notifies me the company has responded. Equifax has never responded ; only returned the complaint. ( Resolved : credit card is not reporting. '' THIS IS THE COMPLAINT - THE CARD IS NOT REPORTING. \n\nThus my credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX, and XXXX are reporting and only Equifax is not. \nEquifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. \n\nAGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : Equifax IS a credit reporting agency, who exists solely to report creditors. = AGAIN Equifax with CFPB 's help are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse.","date_sent_to_company":"2025-04-26T18:45:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13194909","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-26T18:38:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> has never responded ; only returned the <em>complaint</em>. ( Resolved : <em>credit</em> card is not <em>reporting</em>. '' THIS IS THE <em>COMPLAINT</em> - THE CARD IS NOT <em>REPORTING</em>. \n\nThus my <em>credit</em> continues being falsified year <em>after</em> year, since all the other <em>credit</em> bureaus XXXX XXXX, and XXXX are <em>reporting</em> and only <em>Equifax</em> is not. \n<em>Equifax</em> 's responsibility is to <em>report</em> my <em>credit</em> accurately and CFPB 's is to address <em>complaints</em> positively or negatively."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[15.89561,"13194909"]},{"_index":"complaint-public-v1","_id":"12223843","_score":15.699678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. \n\n\nTimeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. \n\nXXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. \n\nKey Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. \n\nFormal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. \n\nPhone calls made to credit bureaus requesting updates and thorough reinvestigation. \n\nResponses received were generic, with no evidence of a complete investigation into the disputed items. \n\nRequest for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.","date_sent_to_company":"2025-02-26T22:59:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"468XX","tags":null,"has_narrative":true,"complaint_id":"12223843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T22:58:39.000Z","state":"IN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX : Follow-up disputes submitted <em>after</em> receiving unsatisfactory responses from <em>credit</em> bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of <em>thorough</em> <em>review</em>. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a <em>complaint</em> with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate <em>reporting</em> and incomplete investigations."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.699678,"12223843"]},{"_index":"complaint-public-v1","_id":"11736807","_score":15.694523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PLEASE REMOVE THIS LATE PAYMENT OFF OF MY REPORT I am submitting this complaint regarding inaccurate late payment information that is being reported on my credit report by EQUIFAX with XXXX XXXX After reviewing my credit report, I discovered that this account is incorrectly marked with late payments for the months of XX/XX/year> AS A LATE PAYMENT. WHEN THE OTHER CREDIT AGENCIES ARE REPORTING OTHERWISE I firmly believe these late payments are inaccurate for the following reasons : I WILL ATTATCH A SCREEN SHOT WITH THIS REPORT According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate information reflected on my credit report. Since these late payments are not accurate, I request that they be thoroughly investigated and promptly removed. I kindly ask that you contact EQUIFAX to verify the accuracy of these late payments, and I request that you take appropriate action to ensure that my credit report reflects only accurate information. I appreciate your attention to this matter and trust that this issue will be resolved promptly.","date_sent_to_company":"2025-01-25T06:27:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"11736807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-25T06:20:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["PLEASE REMOVE THIS LATE PAYMENT OFF OF MY <em>REPORT</em> I am submitting this <em>complaint</em> regarding inaccurate late payment information that is being <em>reported</em> on my <em>credit</em> <em>report</em> by <em>EQUIFAX</em> with XXXX XXXX <em>After</em> <em>reviewing</em> my <em>credit</em> <em>report</em>, I discovered that this account is incorrectly marked with late payments for the months of XX/XX/year> AS A LATE PAYMENT."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.694523,"11736807"]},{"_index":"complaint-public-v1","_id":"13222136","_score":15.691898,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally file a complaint regarding fraudulent activity and the mishandling of my credit report. \nDespite a fraud alert being placed on my credit file, Equifax, allowed a company, XXXX XXXX XXXX to report inaccurate and false information. I promptly filed a dispute regarding this erroneous account. However, after completing the dispute process, the item was not only reinserted, but the reported amount was increased, making the situation even more damaging to my credit profile. \nI contacted Equifax directly and requested a fraud investigation. I was informed that the company verified the account, yet no additional information or documentation supporting this verification has been provided to me, despite my formal requests. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive information regarding the source of the dispute verification. Their refusal to supply this information is a violation of my rights. \nI respectfully request that the CFPB investigate this matter thoroughly. This fraudulent account is causing significant harm to my credit standing, and the failure of the credit reporting agency to thoroughly investigate and provide documentation is unacceptable. \nAttached are copies of relevant documents, including my previous dispute letters, the fraud alert confirmation, and records of my communication with Equifax. \nTimeline of Dispute : XX/XX/2025 : I was informed that I owed {$190.00}. \nXXXX XXXX I filed a dispute regarding this amount. \nXXXX XXXX The investigation was completed. After the review, a new balance of {$770.00} was reported. \nI would like clarification on how the amount changed from {$190.00} to {$770.00} following the dispute investigation. \nAdditionally, I would like proof that this account belongs to me. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-02T14:18:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"38138","tags":"Older American","has_narrative":true,"complaint_id":"13222136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-28T22:37:06.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am writing to formally file a <em>complaint</em> regarding fraudulent activity and the mishandling of my <em>credit</em> <em>report</em>. \nDespite a fraud alert being placed on my <em>credit</em> file, <em>Equifax</em>, allowed a company, XXXX XXXX XXXX to <em>report</em> inaccurate and false information. I promptly filed a dispute regarding this erroneous account. However, <em>after</em> completing the dispute process, the item was not only reinserted, but the <em>reported</em> amount was increased, making the situation even more damaging to my <em>credit</em> profile."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.691898,"13222136"]},{"_index":"complaint-public-v1","_id":"12223841","_score":15.677235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. \n\n\nTimeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. \n\nXXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. \n\nKey Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. \n\nFormal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. \n\nPhone calls made to credit bureaus requesting updates and thorough reinvestigation. \n\nResponses received were generic, with no evidence of a complete investigation into the disputed items. \n\nRequest for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.","date_sent_to_company":"2025-02-26T22:59:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"468XX","tags":null,"has_narrative":true,"complaint_id":"12223841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-26T22:58:39.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX : Follow-up disputes submitted <em>after</em> receiving unsatisfactory responses from <em>credit</em> bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of <em>thorough</em> <em>review</em>. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a <em>complaint</em> with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate <em>reporting</em> and incomplete investigations."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.677235,"12223841"]},{"_index":"complaint-public-v1","_id":"12224208","_score":15.671366,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. \n\n\nTimeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. \n\nXXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. \n\nKey Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. \n\nFormal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. \n\nPhone calls made to credit bureaus requesting updates and thorough reinvestigation. \n\nResponses received were generic, with no evidence of a complete investigation into the disputed items. \n\nRequest for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.","date_sent_to_company":"2025-02-26T22:59:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"468XX","tags":null,"has_narrative":true,"complaint_id":"12224208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-26T22:42:58.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX : Follow-up disputes submitted <em>after</em> receiving unsatisfactory responses from <em>credit</em> bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of <em>thorough</em> <em>review</em>. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a <em>complaint</em> with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate <em>reporting</em> and incomplete investigations."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.671366,"12224208"]},{"_index":"complaint-public-v1","_id":"12732751","_score":15.653529,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. After reviewing my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies. Also I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. This is not the first time that these inaccuracies have been reported to Equifax with nothing done but a shame request on there part for a account number? This is reported by there agency and they should have the information or again inaccurately reporting is a violation of CFPB regulations. I request the inaccuracies corrected or the account deleted immediately. \nI trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.","date_sent_to_company":"2025-03-30T16:29:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44134","tags":"Servicemember","has_narrative":true,"complaint_id":"12732751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-30T16:29:21.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and <em>Equifax</em> for conducting sham investigations and failing to properly investigate consumer disputes. I expect all <em>credit</em> <em>reporting</em> agencies to conduct a <em>thorough</em>, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB <em>complaints</em>. <em>After</em> <em>reviewing</em> my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.653529,"12732751"]},{"_index":"complaint-public-v1","_id":"12728505","_score":15.650282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. After reviewing my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies. Also I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. This is not the first time that these inaccuracies have been reported to Equifax with nothing done but a shame request on there part for a account number? This is reported by there agency and they should have the information or again inaccurately reporting is a violation of CFPB regulations. I request the inaccuracies corrected or the account deleted immediately. \nI trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.","date_sent_to_company":"2025-03-30T16:29:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44134","tags":"Servicemember","has_narrative":true,"complaint_id":"12728505","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-30T16:29:21.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and <em>Equifax</em> for conducting sham investigations and failing to properly investigate consumer disputes. I expect all <em>credit</em> <em>reporting</em> agencies to conduct a <em>thorough</em>, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB <em>complaints</em>. <em>After</em> <em>reviewing</em> my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.650282,"12728505"]},{"_index":"complaint-public-v1","_id":"12732281","_score":15.638593,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. After reviewing my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies. Also I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. This is not the first time that these inaccuracies have been reported to Equifax with nothing done but a shame request on there part for a account number? This is reported by there agency and they should have the information or again inaccurately reporting is a violation of CFPB regulations. I request the inaccuracies corrected or the account deleted immediately. \nI trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.","date_sent_to_company":"2025-03-30T16:29:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44134","tags":"Servicemember","has_narrative":true,"complaint_id":"12732281","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-30T16:06:38.000Z","state":"OH","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and <em>Equifax</em> for conducting sham investigations and failing to properly investigate consumer disputes. I expect all <em>credit</em> <em>reporting</em> agencies to conduct a <em>thorough</em>, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB <em>complaints</em>. <em>After</em> <em>reviewing</em> my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.638593,"12732281"]},{"_index":"complaint-public-v1","_id":"13992523","_score":15.638383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to formally request the removal of an inaccurate account reported by Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Number : XXXX from my Equifax credit file. \n\nThis account contains significant inaccuracies and is damaging my credit profile. After filing disputes with all three major credit bureaus, both XXXX and XXXX have thoroughly reviewed the matter and removed the account from my reports. However, Equifax has failed to take similar corrective action, despite the lack of verifiable or consistent information from the creditor. \n\nThe continued reporting of this account on Equifax is a clear inconsistency, and I believe it violates the Fair Credit Reporting Act ( FCRA ), which requires all furnished information to be accurate and verifiable across all reporting agencies. I have not received any original documentation or legally sufficient validation to confirm the accuracy of this account. Without such validation, this trade-line should not remain on any of my credit reports. \n\nGiven the removal by the other two credit bureaus and the ongoing harm this item is causing to my credit profile, I am requesting that the CFPB investigate this matter and ensure Equifax immediately deletes this account from my credit file.","date_sent_to_company":"2025-06-11T02:07:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"13992523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-11T01:57:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am submitting this <em>complaint</em> to formally request the removal of an inaccurate account <em>reported</em> by Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Number : XXXX from my <em>Equifax</em> <em>credit</em> file. \n\nThis account contains significant inaccuracies and is damaging my <em>credit</em> profile. <em>After</em> filing disputes with all three major <em>credit</em> bureaus, both XXXX and XXXX have <em>thoroughly</em> <em>reviewed</em> the matter and removed the account from my <em>reports</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[15.638383,"13992523"]},{"_index":"complaint-public-v1","_id":"13577062","_score":15.407952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SEE PHOTOS ATTACHED EQUIFAX IS STILL NOT REPORTING MY CREDIT CARD ENDING IN XXXX - I HAVE ALL RECORDED PHONE CALLS BLAMING XXXXXXXX XXXX. ALSO XXXX confirms Equifax received all requested info multiple times. \n\nEquifax sends the below every 30 days : \" Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' My credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : ALSO EQUIFAX IS REPEATEDLY SENDING LETTERS ABOUT THE WRONG CARD SAYING I HAVE DISPUTED MULTIPLE TIMES - SEE PHOTOS THIS IS THE WRONG CARD Equifax has faced multiple lawsuits and settlements related to their 2017 data breach and subsequent errors in credit reports. The 2017 breach exposed the data of approximately XXXX XXXX consumers. There have also been lawsuits and fines related to Equifax 's handling of consumer disputes and inaccurate credit reporting. Here 's a more detailed breakdown : 2017 Data Breach : Equifax settled a class action lawsuit related to the 2017 data breach for {$700.00} XXXX. Improper Investigations : The Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes and address inaccuracies in credit reports. Inaccurate Credit Scores : New York Attorney General ( .gov ) secured a settlement with Equifax for {$720000.00} due to inaccurate credit scores reported to lenders, impacting consumers ' loan costs.","date_sent_to_company":"2025-05-18T14:57:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13577062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-18T14:50:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["SEE PHOTOS ATTACHED <em>EQUIFAX</em> IS STILL NOT <em>REPORTING</em> MY <em>CREDIT</em> CARD ENDING IN XXXX - I HAVE ALL RECORDED PHONE CALLS BLAMING XXXXXXXX XXXX. ALSO XXXX confirms <em>Equifax</em> received all requested info multiple times. \n\n<em>Equifax</em> sends the below every 30 days : \" <em>Equifax</em> has received your <em>complaint</em> submitted through the CFPB portal. We need more time to <em>review</em> and <em>thoroughly</em> research your submission."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[15.407952,"13577062"]},{"_index":"complaint-public-v1","_id":"18355271","_score":15.261685,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding inaccurate information that Equifax is reporting on my credit file and its failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act. After reviewing my Equifax credit report, I identified accounts that are being reported inaccurately and have not been properly verified. \nThe account reported as XXXX XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX, is reporting late payment history that is inaccurate. I am disputing the late payment reporting only. The late payment history does not accurately reflect my records, and Equifax is required to conduct a proper reinvestigation and correct any inaccurately reported late payment information associated with this account. \nEquifax is also reporting a charge-off account from XXXX XXXX XXXX Account XXXX. XXXX ), opened on XX/XX/XXXX, with a balance of {$34000.00}, that I do not recognize. I have no knowledge of this account, I did not authorize it, and it does not belong to me. Equifax must conduct a lawful investigation and delete this account if it can not be fully verified as accurate and belonging to me. \nI am requesting that the CFPB require Equifax to conduct a thorough reinvestigation, correct any inaccurately reported late payment history, and delete any account that can not be properly verified. I also request written confirmation once my credit file has been updated.","date_sent_to_company":"2025-12-29T23:04:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33160","tags":null,"has_narrative":true,"complaint_id":"18355271","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-29T22:58:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am submitting this <em>complaint</em> regarding inaccurate information that <em>Equifax</em> is <em>reporting</em> on my <em>credit</em> file and its failure to ensure maximum possible accuracy as required under the Fair <em>Credit</em> <em>Reporting</em> Act. <em>After</em> <em>reviewing</em> my <em>Equifax</em> <em>credit</em> <em>report</em>, I identified accounts that are being <em>reported</em> inaccurately and have not been properly verified. \nThe account <em>reported</em> as XXXX XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX, is <em>reporting</em> late payment history that is inaccurate."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.261685,"18355271"]},{"_index":"complaint-public-v1","_id":"14097000","_score":15.254539,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX to Equifax regarding an account ending in XXXX ( XXXX ). \n\nThis account does not belong to me. After my prior disputes, both XXXX XXXX XXXX  have thoroughly investigated this matter, confirmed the reporting was inaccurate, and have since removed the account from my credit files. However, Equifax continues to report this account inaccurately despite being notified of the error and provided supporting evidence of its invalidity. \n\nPursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that the CFPB review this matter. Under 15 U.S.C. 1681i, a consumer reporting agency is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item on their report. XXXX continued reporting of this account after confirmation from other bureaus that the account is inaccurate constitutes a failure to meet this obligation. \n\nAdditionally, XXXX XXXX XXXX has failed to fulfill its responsibilities as a data furnisher under 15 U.S.C. 1681s-2 ( b ) to correct and update information supplied to consumer reporting agencies once it learns of inaccuracies.\n\nI respectfully request the following : Immediate deletion of this account from my Equifax credit report.","date_sent_to_company":"2025-06-16T18:12:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22193","tags":null,"has_narrative":true,"complaint_id":"14097000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-16T18:08:55.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to file a formal <em>complaint</em> regarding inaccurate <em>credit</em> <em>reporting</em> by XXXX XXXX XXXX to <em>Equifax</em> regarding an account ending in XXXX ( XXXX ). \n\nThis account does not belong to me. <em>After</em> my prior disputes, both XXXX XXXX XXXX  have <em>thoroughly</em> investigated this matter, confirmed the <em>reporting</em> was inaccurate, and have since removed the account from my <em>credit</em> files."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.254539,"14097000"]},{"_index":"complaint-public-v1","_id":"13597727","_score":15.218463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because XXXX XXXX XXXXXXXX is furnishing derogatory information related to multiple closed accounts starting with XXXX to Experian and TransUnion, even though these accounts have already been removed from Equifax following a reinvestigation. \n\nThe accounts in question are reported as Paid, Closed but contain late payments, including 30-day delinquencies. These late payments were reported after the accounts were closed, which is a violation of Metro 2 reporting standards. According to CDIA Metro 2 guidelines and FCRA 1681s-2 ( a ), furnishers are responsible for ensuring maximum possible accuracy. Reporting new derogatory activity on a closed account is both inaccurate and misleading. \n\nI have previously disputed this directly with the credit bureaus and with the furnisher. Equifax corrected and completely removed the accounts from my report. However, Experian and TransUnion continue to report the accounts with derogatory marks.\n\nThis inaccurate reporting is damaging my credit profile and does not reflect my current obligations. I request the CFPB to initiate a thorough review of XXXX XXXX XXXX reporting procedures and compliance with Metro 2 and FCRA standards.","date_sent_to_company":"2025-05-19T16:52:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"13597727","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-19T16:16:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, Experian and TransUnion continue to <em>report</em> the accounts with derogatory marks.\n\nThis inaccurate <em>reporting</em> is damaging my <em>credit</em> profile and does not reflect my current obligations. I request the CFPB to initiate a <em>thorough</em> <em>review</em> of XXXX XXXX XXXX <em>reporting</em> procedures and compliance with Metro 2 and FCRA standards."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.218463,"13597727"]},{"_index":"complaint-public-v1","_id":"13211074","_score":15.208821,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"See attached ( samples ) - letters to me personally I received every month before submitting my complaint to CPFB and which continue - to date I have XXXX. \n\nXXXX confirms Equifax received all requested info multiple times, and XXXX retains the certified receipts, as do I. \n\nAGAIN I was denied for a loan because \" Equifax doesn't match your other credit reports ; '' CFPB is reporting this case responded to and closed it. The case has never been responded to, only repeated back, and is still fully open. \n\nBoth XXXX XXXX XXXX  and I brought to Equifax and CFPB the falsification of my credit card has been investigated and Equifax is negligent. Equifax sends the below every 30 days : \" Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' For YEARS Equifax has been falsifying my credit report, with CFPB apparently complicit -see excerpt of all previous : This is exactly why Trump and his voters like me want CFPB employees fired. \n\nAGAIN : Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notifies me the company has responded. Equifax has never responded ; only returned the complaint. ( \" Resolved : credit card is not reporting. '' ) THIS IS THE COMPLAINT - THE CARD IS NOT REPORTING. Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. \n\nAGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : Equifax IS a credit reporting agency, who exists solely to report creditors. = AGAIN Equifax with CFPB 's help are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse.","date_sent_to_company":"2025-04-28T16:43:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13211074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-28T16:31:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> has never responded ; only returned the <em>complaint</em>. ( \" Resolved : <em>credit</em> card is not <em>reporting</em>. '' ) THIS IS THE <em>COMPLAINT</em> - THE CARD IS NOT <em>REPORTING</em>. Thus my <em>credit</em> continues being falsified year <em>after</em> year, since all the other <em>credit</em> bureaus XXXX XXXX, and XXXX are <em>reporting</em> and only <em>Equifax</em> is not. <em>Equifax</em> 's responsibility is to <em>report</em> my <em>credit</em> accurately and CFPB 's is to address <em>complaints</em> positively or negatively."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[15.208821,"13211074"]},{"_index":"complaint-public-v1","_id":"13599921","_score":15.191876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because XXXX XXXX XXXXXXXX is furnishing derogatory information related to multiple closed accounts starting with XXXX to Experian and TransUnion, even though these accounts have already been removed from Equifax following a reinvestigation. \n\nThe accounts in question are reported as Paid, Closed but contain late payments, including 30-day delinquencies. These late payments were reported after the accounts were closed, which is a violation of Metro 2 reporting standards. According to CDIA Metro 2 guidelines and FCRA 1681s-2 ( a ), furnishers are responsible for ensuring maximum possible accuracy. Reporting new derogatory activity on a closed account is both inaccurate and misleading. \n\nI have previously disputed this directly with the credit bureaus and with the furnisher. Equifax corrected and completely removed the accounts from my report. However, Experian and TransUnion continue to report the accounts with derogatory marks.\n\nThis inaccurate reporting is damaging my credit profile and does not reflect my current obligations. I request the CFPB to initiate a thorough review of XXXX XXXX XXXX reporting procedures and compliance with Metro 2 and FCRA standards.","date_sent_to_company":"2025-05-19T16:52:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"13599921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-19T16:52:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, Experian and TransUnion continue to <em>report</em> the accounts with derogatory marks.\n\nThis inaccurate <em>reporting</em> is damaging my <em>credit</em> profile and does not reflect my current obligations. I request the CFPB to initiate a <em>thorough</em> <em>review</em> of XXXX XXXX XXXX <em>reporting</em> procedures and compliance with Metro 2 and FCRA standards."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.191876,"13599921"]},{"_index":"complaint-public-v1","_id":"12003387","_score":15.147479,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Equifax regarding inaccurate credit reporting, a violation of the Fair Credit Reporting Act ( FCRA ), and the unexplained lockout of my Equifax online account. I believe it is directly related to the existing CFPB complaints I have filed against Equifax. \nI accessed my credit reports and noticed a significant discrepancy between my Equifax and XXXX credit scores. After paying down my XXXX credit card balance by {$56.00}, my XXXX score increased by XXXX points, which aligns with my expectations. However, my Equifax score decreased by XXXX points, the exact same amount as my payment, which is illogical and appears to be a direct, negative correlation with my payment. \n\nThis drastic decrease in my Equifax score is concerning and appears to be a misrepresentation of my credit behavior. Lowering my credit utilization, which is a positive action, should not result in a significant negative impact on my credit score. This makes me believe that Equifax is either reporting my payment incorrectly, miscalculating its impact, or there is some other serious error on my report. \n\nShortly after noting this discrepancy and significant drop in my Equifax score, I was subsequently locked out of my Equifax online account and am unable to access my credit report or any account information. The attached screenshot shows the message I receive when attempting to log in. \n\nI have previously filed complaints with the CFPB against Equifax regarding inaccurate reporting of account status, failure to correct disputed information. I suspect this recent account lockout is a retaliatory or obstructive action taken by Equifax in response to these complaints. \n\nThis a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections related to : Accuracy of Reports ( Section 611 ) : The FCRA mandates that credit reporting agencies maintain accurate information. The negative impact on my score directly following a payment suggests a potential error in reporting or calculation. \nFair and Equitable Credit Reporting ( General Purpose ) : The intent of the FCRA is to ensure fair and equitable credit reporting practices. Penalizing consumers for making payments contradicts the purpose of the act. \nAccess to Credit Reports ( Section 605 ) : The FCRA grants consumers the right to access their credit reports. Being locked out of my account without explanation potentially violates this right. \nI request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Equifax corrects this error, complies with the FCRA, and restores my access to my online account. I am requesting that Equifax : Correct my credit report : I demand that Equifax correct the inaccurate information on my credit report that led to the XXXX decrease in my score. \nProvide an explanation : I request a clear and detailed explanation of how my payment was processed and why it resulted in a negative impact on my score. \nRestore access to my account : I demand immediate restoration of my access to my online Equifax account and a clear explanation for the lockout, including whether it is related to my previous complaints. \nReview their procedures : I urge the CFPB to review Equifax 's procedures for reporting payments, calculating credit scores, and managing consumer accounts, especially in light of multiple complaints against them, to prevent similar errors and unwarranted lockouts from occurring in the future.","date_sent_to_company":"2025-02-08T17:18:28.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30909","tags":null,"has_narrative":true,"complaint_id":"12003387","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-08T17:18:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am writing to file a formal <em>complaint</em> against <em>Equifax</em> regarding inaccurate <em>credit</em> <em>reporting</em>, a violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), and the unexplained lockout of my <em>Equifax</em> online account. I believe it is directly related to the existing CFPB <em>complaints</em> I have filed against <em>Equifax</em>. \nI accessed my <em>credit</em> <em>reports</em> and noticed a significant discrepancy between my <em>Equifax</em> and XXXX <em>credit</em> scores."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[15.147479,"12003387"]},{"_index":"complaint-public-v1","_id":"13730144","_score":15.114808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SEE PHOTOS FROM PREVIOUS COMPLAINT EQUIFAX IS STILL NOT REPORTING MY CREDIT CARD ENDING IN XXXX - I HAVE ALL CALLS RECORDED OF EQUIFAX BLAMING XXXX XXXX  AND REFUSING TO SPEAK WITH THEM. USPS confirms Equifax received all requested info multiple times via certified mail. Equifax sends the below every 30 days FOR YEARS NOW-I JUST RECEIVED ANOTHER RIGHT NOW, XX/XX/XXXX : \" Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' My credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : ALSO EQUIFAX IS REPEATEDLY SENDING LETTERS ABOUT THE WRONG CARD SAYING I HAVE DISPUTED MULTIPLE TIMES - SEE PHOTOS THIS IS THE WRONG CARD Equifax has faced multiple lawsuits and settlements related to their XXXX data breach and subsequent errors in credit reports. The XXXX breach exposed the data of approximately XXXX XXXX consumers. There have also been lawsuits and fines related to Equifax 's handling of consumer disputes and inaccurate credit reporting. Here 's a more detailed breakdown : XXXX Data Breach : Equifax settled a class action lawsuit related to the XXXX data breach for {$700.00} XXXX. Improper Investigations : The Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes and address inaccuracies in credit reports. Inaccurate Credit Scores : New York Attorney General ( .gov ) secured a settlement with Equifax for {$720000.00} due to inaccurate credit scores reported to lenders, impacting consumers ' loan costs.","date_sent_to_company":"2025-05-28T01:05:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13730144","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-28T00:52:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["We need more time to <em>review</em> and <em>thoroughly</em> research your submission. Once we've completed our research, we will provide an updated response with our findings. 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