Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
Subject : Urgent Complaint Regarding Equifaxs Failure to Correct Inaccurate Late Payment Records After Multiple Disputes Accounts in Question : XXXX XXXX  Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern, I am submitting this formal complaint against Equifax due to its ongoing failure to update and correct inaccurate late payment entries on my credit report, despite my repeated efforts to provide supporting documentation. I have submitted disputes on XXXX separate occasions, each time including clear evidence that the reported late payments were, in fact, made on time. 

This issue has already been the subject of a prior complaint filed with the Consumer Financial Protection Bureau ( CFPB Complaint XXXX XXXXXXXX ), dated XX/XX/year>. In that complaint, I detailed my initial dispute with Equifax, which was submitted via XXXX Certified Mail ( Tracking XXXX XXXXXXXX ) on XX/XX/year>. The package included full documentation demonstrating timely payments on all listed accounts. 

Despite confirming receipt of the dispute, Equifax maintained the inaccurate information, claiming it had been verified without addressing the evidence I provided. 

In a continued effort to resolve this matter amicably, I submitted a third dispute on XX/XX/year>, also by Certified Mail ( Tracking XXXX XXXXXXXX ). That package included updated supporting materials, along with a detailed breakdown of the discrepancies. To date, Equifax has neither corrected the information nor provided any meaningful response acknowledging the documentation. 

I believe Equifax 's inaction constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. XXXX ( a ) : Failure to conduct a reasonable reinvestigation based on the information provided. 

15 U.S.C. 16XXXX ( b ) : Failure to ensure maximum possible accuracy in the reporting of consumer credit information. 

15 U.S.C. XXXX ( b ) : Failure of furnishers to properly investigate disputes referred by Equifax. 

As an XXXX XXXX service member, the consequences of these reporting inaccuracies are especially severe. The incorrect late payment records are placing my security clearance at risk and threatening my military career. The ongoing stress and financial harm are unacceptable and demand immediate intervention. 

I am requesting that the CFPB take prompt action to compel Equifax to conduct a full and proper reinvestigation of this matter and to require any involved data furnishers to review and correct their reporting as mandated by federal law. 

Enclosures : Documentation of on-time payments XXXX Certified Mail proof of delivery ( XX/XX/year> ) Copies of prior correspondence and Equifaxs insufficient responses Thank you for your time and assistance in addressing this urgent matter

Company response to consumer: Closed with explanation