Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
What happened? 
I am filing this complaint as a second-round escalation under the Fair Credit Reporting Act ( FCRA ), following my original submission on XX/XX/XXXX. I formally disputed two inaccurate entries on my credit report and provided full supporting documentation ( government-issued ID, SSN verification, proof of address, and a full credit report ). 

As of XX/XX/XXXX, no corrections have been made. This constitutes a violation of FCRA 611 ( a ) ( 1 ), which requires a credit reporting agency to complete its reinvestigation within 30 days. 

The unresolved issues are : XXXX. XXXX XXXX XXXX Late Payment ( XX/XX/XXXX ) Account # : XXXX This derogatory mark remains on my reports across all three credit bureaus. I never received proper notice of any missed payment, and I had no knowledge of delinquency. I have made all payments on time since then. This appears to be an isolated error or internal reporting issue. Its continued presence is inaccurate and misleading under FCRA 607 ( b ). 

XXXX. XXXX  XXXX XXXX XXXX Closure Status Account # : XXXX This revolving account is being reported as Closed by credit grantor. This is factually false. I personally requested the closure of this account in XX/XX/XXXX, after paying off the balance in full. It was a voluntary consumer action, not initiated by the creditor. The reporting should reflect : Account closed at consumers request. 

Harm Caused Because of the unresolved 30-day late payment on the XXXXXXXX XXXX account, I was recently evaluated by a licensed mortgage broker and told I would qualify for a 23 % higher interest rate due to this single derogatory item. This has direct financial consequences : I am actively seeking mortgage financing This inaccurate reporting results in tens of thousands of dollars in additional lifetime costs This harm is real, measurable, and preventable. The refusal to correct in Legal Grounds and Case Law FCRA 611 ( a ) ( 1 ) : Requires CRAs to reinvestigate and resolve disputes within 30 days FCRA 607 ( b ) : Requires furnishers and CRAs to ensure the maximum possible accuracy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Higher credit costs due to inaccurate reporting constitute injury XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : Receiving worse financial terms because of credit errors is legally actionable harm XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX  XXXX ) : Any data that is materially misleading to a reasonable reader may violate FCRA These cases confirm that even subtle inaccuracies such as the wrong closure status or a one-time mistaken delinquency can have major financial implications and violate federal law. 

Request for Procedure Disclosure ( with Timeline Emphasis ) Under FCRA 611 ( a ) ( 6 ), I am formally requesting a complete written description of the procedures used during the reinvestigation of my XX/XX/XXXX dispute. This must include : Exact timeline of when the reinvestigation was initiated and completed What furnishers or data providers were contacted What specific information was shared with each party What responses were received ( and on what dates ) How the decision was made to maintain the disputed information What documentation was used to verify accuracy What internal policies or review standards were applied Please note : I am requesting this procedural summary to confirm whether the 30-day reinvestigation requirement under FCRA 611 ( a ) ( 1 ) was met and whether the reinvestigation was conducted in good faith and with sufficient depth. 

Failure to provide this disclosure would constitute a separate violation of federal law.

Company response to consumer: Closed with non-monetary relief