Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Initial request ( XXXX ) was sent to CFPB on XX/XX/XXXX and they sent the information to the wrong credit reporting agency. Are you kidding me? They sent the request to XXXX, that is incorrect. They were supposed to send request to Equifax XXXX. This is the XXXX time I've requested to have this information changed back to the way it was before all this nonsense started on XX/XX/XXXX. In XXXX of XXXX, I file for XXXX XXXX XXXX in the XXXXXXXX XXXX XXXX  The XXXX was XXXX on XX/XX/XXXX. XXXX of my creditors listed on my XXXX  was XXXX XXXX. When the XXXX  was XXXX on XX/XX/XXXX, all the credit reporting agencies, XXXX XXXX, and Equifax had my pay history with XXXX XXXX being reported as " unknown '' or " no data. '' After a year had passed from when my XXXX  was XXXX all of a sudden, I get an email from XXXX XXXX stating something had changed on my Equifax Credit report. After careful review I noticed that XXXX XXXX  after a year and XXXX months had passed from my XXXX  decided to report to Equifax on XX/XX/XXXX, that I was XXXX, XXXX, and XXXX  days late back on XXXX, XXXX, and XXXX of XXXX. They went from reporting " unknown '' or " no data '' to showing late payments after a year and XXXX months had passed. This issue has dropped my credit score with Equifax down XXXX points. On XX/XX/XXXX I filed a complaint with the CFPB and this was Equifax 's response, A summary of the results are listed below : Trade : XXXX XXXX XXXX PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN XXXX  DOES NOT REPORT ANY LATE PAYMENTS. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ). On XX/XX/XXXX I filed another complaint with CFPB, and this was Equifax 's response A summary of the results are listed below : Trade : XXXX XXXX  XXXX ACCOUNTS INCLUDED IN XXXX  DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED CLOSED ; AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE DATE OF FIRST DELINQUENCY. PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN XXXX  DOES NOT REPORT ANY LATE PAYMENTS. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ). On both these responses I was told by Equifax that they DO NOT REPORT ANY LATE PAYMENTS ON A XXXX  ITEM. And yet on XX/XX/XXXX I received a copy of my Equifax Credit Report with the apparent investigation by Equifax and noticed nothing was changed. XXXX XXXX  still shows a XXXX, XXXX, and a XXXX late payment for XXXX, XXXX, and XXXX of XXXX. And they reported it again to Equifax on XX/XX/XXXX. Why is a debt that was XXXX on a XXXX  over a year and a half ago reporting late payments? I thought the CFPB was created to protect and look after the consumer? You can clearly see I'm being targeted and punished by XXXX Mortgage because I filed for XXXX  and Equifax isn't doing anything about it, even though their responses on XX/XX/XXXX and on XX/XX/XXXX clearly state they DON'T report any late payments on XXXX  items. This is so corrupt on so many levels. Enclosed is a copy of what Equifax Credit sent me. As you can clearly see they are still reporting the information on my Equifax Credit Report incorrectly. What is going on here? Remove the information ASAP. Thanks

Company response to consumer: Closed with explanation