Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am writing to dispute several inaccurate and misleading entries appearing on my credit report, beginning with the newly reported late payment on my XXXX account ending in XXXXXXXX XXXX XXXX  This account, opened on XX/XX/XXXX with a balance of {$39.00} and last active on XX/XX/XXXX, is showing a 30-day late payment that is not accurate. During the time this alleged late occurred, I submitted a change-of-billing request due to a system error where my autopay failed to process even though my bank account had the sufficient funds. I contacted XXXX immediately when I noticed the issue, and I was advised by their representative that the mistake appeared to be an internal posting delay and that the late fee and delinquency notation would be corrected. The reportable history should reflect that I reached out in good faith, provided proof of available funds, and complied with all corrective instructions given by XXXX. Since this late payment was the result of a technical error outside of my control, I request that the entry be fully reinvestigated, corrected, and updated to correct the late mark entirely, as it does not accurately represent my payment behavior or intentions. 
Next, I am disputing a charge-off appearing on all three bureaus for my XXXX XXXX account ending in XXXX which is being reported with a {$0.00} balance, yet still labeled as a charge-off. This is contradictory and does not align with the final status provided to me by XXXX XXXX XXXX XXXX. A charge-off indicates an unpaid debt, but the balance was documented as resolved and cleared after the account closure process. I spoke with multiple XXXX XXXX representatives during the resolution period, and I was assured that the account would not be reported as a charge-off once the balance was cleared. The documentation I received shows that the account should properly reflect Closed Paid or Settled, not Charge-Off. Reporting it as a charge-off with no balance harms my credit reputation by suggesting negligence that did not occur. Additionally, this inconsistency raises questions for lenders who can not understand how an account can simultaneously be charged off yet reflect no remaining obligation. I am requesting a full verification of the account notes, closure records, settlement information, and all final customer-service entries so the reporting can be corrected to accurately reflect the true status of the account. 
Finally, I am disputing a collection account that appears inaccurately and incompletely across the credit bureaus. XXXX XXXX XXXX account ( Original Creditor : XXXX ) reference XXXXXXXX XXXX XXXX with a balance of {$1600.00} * * is currently not being reported in Equifax, which creates a major conflict between the bureaus. Before this account was ever transferred to XXXX XXXX, I contacted XXXX about a billing dispute involving services I did not fully receive and aligners that were returned due to fit issues. I submitted a request for an itemized bill, a treatment history, and verification of the remaining balance, but XXXX never provided clear documentation or responded to my follow-up emails. XXXX XXXX later attempted to collect without giving me proper validation of the debt, despite my written requests under the Fair Debt Collection Practices Act. The unresolved dispute and lack of verification make this reporting unreliable and incomplete. Additionally, the missing entry in Equifax suggests the account may not have been properly furnished or certified to that bureau, raising questions about the legitimacy and accuracy of the collection data. I request that all bureaus verify ownership, first delinquency date, balance accuracy, full validation documentation, and proper certification before reporting any status related to this collection.

Additionally, I am disputing missing hard inquiries that should appear on Equifax and TransUnion. These inquiries include XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. These inquiries occurred on the same day when I was shopping for auto financing and comparing loan terms. Each lender performed a legitimate credit pull, but only Experian recorded them. The absence of these inquiries on Equifax and TransUnion creates an inconsistent credit history, which has already caused delays for lenders who question why credit pulls visible internally do not appear on the bureau reports. This discrepancy may falsely suggest file suppression, fraud, or incomplete reporting. I request that Equifax and TransUnion obtain direct verification from the creditors and add the missing inquiries with accurate dates and sources so that my credit file is complete, consistent, and properly maintained.

Company response to consumer: Closed with non-monetary relief