Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am filing this complaint against multiple furnishers and consumer reporting agencies ( Equifax, Experian, and TransUnion ) for continuing to report inaccurate, misleading, and internally inconsistent credit information despite repeated disputes and clear evidence that the reported data does not reflect the true status of my accounts. 

Across several tradelines, accounts are being reported as current, paid, or closed with a {$0.00} past-due balance, while simultaneously showing late payment history and negative indicators. This type of reporting is contradictory, harmful, and violates the Fair Credit Reporting Act ( FCRA ) as well as Metro 2 reporting standards.

ITEM 1 : XXXX XXXX  Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account is reported as open, current, and not past due, with a {$0.00} past-due balance across all three credit bureaus. Despite this, Equifax, Experian, and TransUnion continue to report multiple 30-day late payments on this account. 

Reporting late payments on an account that is currently paid as agreed is inaccurate and misleading. There is no unresolved delinquency, no past-due balance, and no ongoing default that would justify continued negative payment coding. The presence of late payment history directly contradicts the accounts current status. 

By reporting the account as current while simultaneously publishing late payments, the furnishers and credit bureaus are violating FCRA 1681e ( b ) by failing to ensure maximum possible accuracy. This also conflicts with Metro 2 guidelines, which require that payment history and account status align with the actual condition of the account. 

This inaccurate reporting is harming my credit profile by falsely portraying poor payment behavior when I am meeting the terms of the account. 

ITEM XXXX XXXX XXXX XXXX  Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is reported as open, current, and within the credit limit, with no past-due balance, yet it continues to display 30- and 60-day late payment remarks across the bureaus. 

An account that is open and current should not continue to reflect delinquency unless a verified, ongoing default exists. No such documentation has been provided to support the continued reporting of late payments. Reporting an account as current while coding it as negative is internally inconsistent and misrepresents my actual credit behavior. 

This reporting violates FCRA 1681e ( b ) and 1681i, as the information is neither accurate nor properly corrected after disputes. It also violates Metro 2 standards, which require that late payments not be reported indefinitely once an account has been brought current and maintained as agreed. 

ITEM XXXX : XXXX XXXX Secured Installment Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This installment loan is reported as paid, closed, and carrying a {$0.00} balance, yet late payment indicators continue to appear on my credit reports. 

Once an installment account is paid and closed as agreed, continued reporting of delinquency is inaccurate unless the delinquency was unresolved at closure. There is no past-due balance, no outstanding obligation, and no evidence that late payments remain reportable. 

Continuing to publish late payment history on a satisfied loan misrepresents my repayment history and violates FCRA 1681e ( b ). It also directly conflicts with Metro 2 standards, which require closed, paid installment loans to reflect satisfactory performance when no delinquency remains.

This outdated negative reporting is unjustly suppressing my credit scores and distorting my installment loan history. 

ITEM XXXX : XXXX Credit Card Account Number : XXXX XXXX XXXX XXXX XXXX  This account is reported as paid, closed, and with a {$0.00} balance, yet late payment remarks and negative indicators continue to appear on some credit reports. Additionally, there are material inconsistencies across bureaus regarding account status, payment history, and dates. 

If an account is paid and closed with no delinquent balance, late payments should not continue to be reported unless they are verified as accurate and properly reportable. The inconsistent reporting across bureaus confirms that the information is not being verified consistently or accurately. 

This conduct violates FCRA 1681e ( b ) and demonstrates a failure to maintain reasonable procedures to ensure accuracy. 

ITEM XXXX : XXXXXXXX XXXX XXXXXXXX Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This auto loan is reported as paid, closed, and satisfied, with Equifax and TransUnion reflecting a positive payment history. However, Experian continues to report a late payment that is not reflected by the other bureaus. 

When one bureau reports a delinquency that the others do not, it raises serious concerns about accuracy and verification. No documentation has been provided showing that a delinquency existed at the time of closure or that it remains reportable. 

Reporting a late payment on a paid auto loan misrepresents my repayment history and violates FCRA 1681e ( b ) and Metro 2 reporting standards.

FAILURE TO CONDUCT REASONABLE REINVESTIGATION I have disputed these inaccuracies in writing with all three credit bureaus. Despite this, the negative information remains. This indicates that the reinvestigations conducted were inadequate, incomplete, or automated, rather than the reasonable reinvestigation required under FCRA 1681i. 

HARM CAUSED The continued publication of inaccurate and contradictory information has : Suppressed my credit scores Damaged my creditworthiness Distorted my true payment history Interfered with my ability to obtain credit RESOLUTION REQUESTED I respectfully request that the CFPB require the furnishers and credit reporting agencies to : Conduct lawful, reasonable reinvestigations of each account Remove all inaccurate late payment remarks and negative indicators Update all tradelines to reflect PAID AS AGREED or PAYING AS AGREED Ensure consistent and accurate reporting across all bureaus Delete any information that can not be fully verified as accurate, complete, and compliant FINAL STATEMENT I am not disputing valid debt. I am disputing inaccurate credit reporting that violates federal law and continues to harm me despite my efforts to resolve it. I am requesting CFPB intervention to enforce compliance and protect my consumer rights.

Company response to consumer: Closed with non-monetary relief