Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
I am filing this complaint against Equifax for reporting inaccurate and incomplete payment history on my credit report and failing to properly investigate and correct these errors as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inaccuracies have negatively affected my credit score and financial opportunities.

Equifax is Reporting Inaccurate Payment History in Violation of FCRA 1681e ( b ) ( Maximum Possible Accuracy Requirement ) Equifax is reporting my XXXX XXXX account as closed, but the payment history contains multiple errors, including : False late payments : The report incorrectly lists XXXX late payments for XX/XX/XXXX and XX/XX/XXXX, which I did not miss or pay late. 
Incomplete reporting : The months of XXXX, XXXX, and XX/XX/XXXX are left blank, providing an incomplete payment history without explanation. 
Under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer reports.

By reporting false late payments and incomplete data, Equifax has failed to meet this legal requirement. 

XXXX. XXXX XXXX to Conduct a Proper Investigation in Violation of FCRA 1681i ( a ) ( Reinvestigation of Disputed Information ) I have disputed these errors with Equifax, yet they have failed to conduct a reasonable reinvestigation or provide evidence supporting their reporting.

Under FCRA 1681i ( a ) ( 1 ) ( A ), Equifax is required to : Conduct a reasonable reinvestigation of disputed information within 30 days Provide results of the investigation to the consumer Delete or correct any information found to be inaccurate or unverifiable Equifaxs lack of response and failure to correct the errors violates this provision of the FCRA.

3. Equifax is Continuing to Report Unverified Information in Violation of FCRA 1681i ( a ) ( 5 ) ( Duty to Delete Inaccurate, Incomplete, or Unverifiable Information ) Since Equifax has not provided verification or proof of these late payments, it is legally obligated to delete them from my report under FCRA 1681i ( a ) ( 5 ) ( A ).

This section states that if a consumer reporting agency can not verify disputed information, it must delete the information from the file. 
Because Equifax has not verified these alleged late payments, it must remove them immediately. 

4. Equifaxs Violations Mirror Recent CFPB Enforcement Actions ( CFPB Fine - XX/XX/XXXX ) On XX/XX/XXXX, the CFPB fined Equifax {$15.00} XXXX for : Failing to properly investigate consumer disputes Ignoring evidence submitted by consumers Using faulty software that led to inaccurate reporting and credit scores My complaint is a direct example of these same violations continuing to harm consumers, despite the XXXX enforcement action. 
XXXX failure to correct my false late payments and missing data further proves their ongoing pattern of negligent reporting and noncompliance with federal law. 

I have uploaded screenshots from my Equifax credit report showing : XXXX. The XXXX XXXX account marked as closed XXXX. False XXXX late payments in XX/XX/XXXX and XX/XX/XXXX XXXX. Incomplete and missing payment history for XXXX XXXX

Company response to consumer: Closed with explanation