Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I am filing this complaint because all three credit bureaus and several data furnishers are reporting late payments on my XXXX XXXX auto loan that are inaccurate, conflicting, unverified, and not supported by any legally required documentation. I have disputed these late payments multiple times directly with Equifax, Experian, and TransUnion, and I also notified the furnishers. Despite this, the same late payment information keeps being reinserted or verified without anyone ever showing me proof that these late payments actually happened. 

Across the files I uploaded to each bureau, the information they are reporting is contradictory and violates the most basic requirements of the Fair Credit Reporting Act and the Fair Credit Billing Act. For example, all three bureaus report a different Date Opened, even though the creditor should be reporting the same date to all repositories. Equifax reports XXXX XXXX XXXX, Experian reports XXXX XXXX XXXX, and TransUnion reports XXXX XXXX XXXX, and these dates do not match each other as shown on the dispute pages included in my documents. All three bureaus also reported a different Date Last Active and different Date of Last Payment which means that at least two of the bureaus are reporting false information about me. When I challenged this, none of them provided verification and none of them corrected the conflicting dates. 

The bills in the reports also show different Last Reported dates for the exact same account. Equifax shows XXXX XXXX XXXX, while Experian shows XXXX XXXX XXXX, and TransUnion also shows XXXX XXXX XXXX. These differences mean that at least one bureau is displaying information that is not true. Under FCRA 1681e b, credit bureaus must maintain maximum possible accuracy, and conflicting dates like this prove the account was never verified. My records also show that the creditor did not notify me 21 days before any payment was due, which means no late payment should exist under the billing error protections in 15 USC 1666. I requested bank proof showing any payment they claim I missed, and I have never been provided a single statement, billing cycle record, or a corrected explanation for the alleged lateness. 

Additionally, the No of Months term field is reported incorrectly and inconsistently across all bureaus. Equifax reports zero months, while Experian and TransUnion report 84 months. There is no scenario where both can be true. The bureaus verified this account even though it clearly contains Metro 2 violations on almost every field. According to the XXXX XXXX XXXX XXXX, each reported field must be consistent and uniform. My documents clearly show that the Metro 2 standard codes do not match between the bureaus, and none of the bureaus attempted to correct or validate the discrepancies. 

Because of these false late payments and reporting errors, I have suffered credit denials, higher interest rates, and emotional distress. I have done everything that the FCRA requires me to do. I disputed the items. I documented the contradictions. I asked for verification. Instead of correcting or removing inaccurate data, the bureaus continue to publish information that is not supported by the creditor and that does not match across the different reports.

Company response to consumer: Closed with non-monetary relief