Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because multiple open accounts on my credit report continue to reflect inaccurate and unverified late payment history despite my prior disputes and clear requests for proper validation. I have made multiple good faith efforts to resolve these issues directly with the credit bureaus and furnishers, yet they continue to report damaging information without providing any competent evidence to support the accuracy of these delinquency marks. The accounts involved include XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX auto loan account XXXX, and XXXX account XXXX, including multiple tradelines associated with XXXX. These accounts are either open or previously open accounts that are currently reporting late payments that are inconsistent, misleading, and unsupported by any verifiable documentation. Across these accounts, there are clear inconsistencies in how the data is being reported between credit bureaus. For example, some accounts reflect different balances, different payment statuses, and conflicting late payment histories depending on the bureau. In some cases, accounts are marked as paid and closed with a XXXX balance while still reporting severe delinquency history such as 90 day late payments, which is inherently misleading and not logically consistent. I specifically requested that the furnishers and credit bureaus provide certified payment histories, original account agreements, and complete documentation that would verify the accuracy of each reported late payment. To date, none of this documentation has been provided. Instead, the accounts were simply marked as verified or updated without any explanation or supporting evidence. This does not meet the legal requirement of a reasonable reinvestigation under FCRA 15 USC 1681i. Additionally, the continued reporting of inconsistent and unverifiable data violates FCRA 15 USC 1681e b, which requires that all information reported must be maintained with maximum possible accuracy. Reporting late payments without documentation, especially when the data conflicts across bureaus, demonstrates that this standard is not being met. These accounts also show signs of XXXX XXXX noncompliance, including incomplete payment history fields, inconsistent delinquency reporting, and missing or conflicting account level data. This further proves that the information being reported is not reliable or properly maintained. I am also impacted by the National Public Data breach, which raises serious concerns about the integrity and source of the data being reported. Given this known exposure, the burden on the credit bureaus and furnishers to ensure accuracy and verification is even greater, yet they have failed to meet that responsibility. The continued reporting of these late payments has caused significant harm to my credit profile, limiting my ability to access credit and creating unnecessary financial hardship. I have done everything required of me as a consumer to dispute and request validation, yet my concerns have been ignored.

Company response to consumer: Closed with non-monetary relief