Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint because inaccurate, contradictory, incomplete, and potentially unverifiable late payment information continues to appear on my consumer reports despite my disputes and requests for reinvestigation. After reviewing and comparing reporting across the nationwide consumer reporting agencies, I identified material inconsistencies involving payment history, payment status, delinquency coding, account comments, account activity dates, XXXX XXXX reporting fields, and historical reporting narratives associated with the accounts listed below. These inconsistencies raise serious concerns regarding the accuracy, integrity, and completeness of the information being furnished and maintained. The accounts involved are : XXXX XXXX BANK XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX The primary issue is contradictory reporting that reflects an account status of Pays As Agreed while also reporting derogatory payment history, including reported XXXX and XXXX late payments and adverse delinquency indicators. I am not disputing that a creditor may report historical payment information where supported. My concern is that the reporting appears internally inconsistent and raises questions regarding whether the tradelines are being maintained and furnished with maximum possible accuracy as required under federal law. For XXXX XXXX BANK XXXX ( ending XXXX ), the tradeline reflects Pays As Agreed while also reporting historical delinquency references and adverse payment coding. I also identified inconsistent account comments and dispute language, including references indicating prior dispute activity and varying account narratives between repositories. In addition, critical reporting fields such as Date Last Active and Date of Last Payment appear inconsistent or incomplete across repositories despite the account allegedly reflecting delinquency activity. For XXXX XXXX ( ending XXXX ), I identified similar reporting concerns. The account reflects Pays As Agreed while also containing derogatory payment references and adverse payment history indicators. I also identified concerns involving account consistency, terms reporting, payment activity fields, and historical reporting narratives that appear incomplete or inconsistent between repositories. Because these accounts continue to display contradictory reporting characteristics, I requested a reasonable reinvestigation and review of whether the reporting remains accurate, complete, and properly supported. This complaint concerns potential compliance issues under : XXXX XXXX. XXXX ( b ) ( FCRA ) requiring consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of consumer report information. XXXX XXXX. XXXX ( a ) requiring a reasonable reinvestigation after a consumer disputes completeness or accuracy. XXXX XXXX. XXXX ( a ) ( XXXX ) requiring deletion or modification of information that can not be verified after reinvestigation. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) requiring furnishers not to provide information they know or have reasonable cause to believe is inaccurate. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) providing consumers the ability to request information regarding the reinvestigation and method used to verify disputed information. XXXX XXXX. XXXX ( b ) ( XXXX ) requiring proper crediting and handling of payments and billing information where applicable to open-end credit accounts and billing accuracy concerns. XXXX XXXX. XXXX and XXXX addressing liability for willful and negligent noncompliance where applicable. I previously attempted to resolve these concerns directly and requested reinvestigation. I am now seeking CFPB assistance to ensure the reporting is reviewed thoroughly and corrected where unsupported, inconsistent, or inaccurate.

Company response to consumer: Closed with non-monetary relief