Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding ongoing inaccurate credit reporting that has not been corrected despite prior disputes. The consumer reporting agencies and furnishers listed below continue to report inaccurate late payment histories and unauthorized credit inquiries. These errors remain on my credit reports and have caused ongoing harm. I have not yet submitted a complaint to the FTC.

Under the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 1 ), 1681 ( b ), 1681i, 1681s-2 ( a ), and 1681s-2 ( b ), furnishers and consumer reporting agencies are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when a consumer disputes information. Reporting unverified late payments and unauthorized inquiries violates these obligations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment The late payment notation is inaccurate. This account was maintained in good standing and does not reflect any verified late activity. Reporting a late payment with a XXXX balance and no current delinquency constitutes inaccurate and misleading credit information under FCRA 1681e ( b ). Immediate correction of the payment history is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This account shows a late payment despite being paid as agreed. No documentation has been provided to substantiate any late activity. Continued reporting without verification violates FCRA 1681i ( a ). The late payment history must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment The reported late payment is inaccurate and unsupported. A paid account with no delinquent balance can not lawfully reflect unverifiable late activity. Correction of the payment history is required under FCRA accuracy standards. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Issue : Late Payment The late payment reporting is incorrect. Payment history does not reflect any verified delinquency. Furnishers are required to report complete and accurate histories, not partial or misleading data. This late payment must be corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment A late payment is being reported on a zero-balance account without proper verification. This is inaccurate reporting and must be corrected immediately under FCRA 1681s-2 ( b ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Issue : Late Payment The late payment history reported on this account is inaccurate. No verified documentation has been produced showing missed payments as reported. Failure to correct inaccurate payment history constitutes non-compliance with FCRA reinvestigation requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Issue : Late Payment This account is reporting late payments that are not accurate. Reporting unverified delinquency materially harms my credit profile and violates the obligation to ensure maximum possible accuracy. Correction is required. 
XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Late payment reporting on a zero-balance account is inaccurate and misleading. No valid evidence has been provided to support the reported delinquency. The payment history must be corrected to reflect accurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Issue : Late Payment The late payment history reported on this account is inaccurate. My payment history does not support the reported delinquency. Continued reporting of unverified late activity violates FCRA accuracy and reinvestigation requirements. Correction of the payment history is required. 
XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Issue : Late Payment The reported late payment status is incorrect. This account was not delinquent as reported. Furnishers must report complete and accurate payment histories. Immediate correction of the late payment notation is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$48000.00} Issue : Late Payment The late payment reporting on this account is inaccurate and unsupported by proper verification. Reporting incorrect delinquency materially misrepresents my credit history and must be corrected under FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment A late payment is being reported on a zero-balance account. This information is inaccurate and misleading. No verified delinquency exists. The payment history must be corrected immediately. 
XXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry was not authorized. Continued reporting violates permissible purpose requirements. 
XXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry is duplicative and unauthorized. Removal is required. 
XXXX XXXX Date : XX/XX/XXXX Issue : Inquiry I did not authorize this inquiry. It must be deleted for lack of permissible purpose. 
XXXX Date : XX/XX/XXXX Issue : Inquiry This inquiry was not authorized and must be removed immediately. 
I am requesting that the CFPB require the consumer reporting agencies and furnishers involved to correct inaccurate late payment histories and remove unauthorized inquiries that violate the Fair Credit Reporting Act. These inaccuracies remain despite prior disputes and have not been properly investigated. 
Requested Resolution : Correction of all inaccurate late payment histories listed above and deletion of all unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief