Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am submitting a formal complaint because the credit reporting agencies have failed to maintain accurate and consistent records as required by the FCRA. Specifically, the same accounts report contradictory statuses ( e.g., " Pays as Agreed '' and " 90 days late '' ), inconsistent dates of last activity, and missing payment fields. I request the CFPB mandate removal or correction and ensure reinvestigation obligations are fulfilled.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I request a reinvestigation of the following items which contain inaccurate or inconsistent data across the three major credit bureaus : Dept. of Education / XXXX Accounts report " Pays as Agreed '' but also show 90-day delinquencies. This contradiction appears on multiple student loan entries. 

These loans are marked as " Deferred '' with a $ 0 monthly payment. 

Dates of last activity differ between bureaus. Equifax lists XX/XX/year>, while Experian and TransUnion list XX/XX/year> and XX/XX/year>, respectively. 

Action Requested : Remove any late payments and ensure deferment status is consistently applied. If the delinquencies can not be verified or corrected, they must be deleted. 

XXXX XXXX XX/XX/XXXX( Account # : XXXX ) Equifax reports a past due of {$60.00} with the payment status " Not more than two payments past due. '' The date of last payment is listed as XX/XX/year>, which conflicts with TransUnion and Experian ( both show XX/XX/year> ). 

Action Requested : Correct date of last payment and ensure payment status accurately reflects the account. 

XX/XX/XXXXXXXX ( Account # : XXXX ) Equifax reports a 60-day late and 30-day late in the payment history, which TransUnion does not report.

Account shows " Pays as Agreed, '' which conflicts with the late payment history. 

Action Requested : Remove late marks or verify with supporting evidence. 

XXXXXX/XX/XXXXXXXX ( Account # : XXXX ) Conflicting status : Equifax reports " Pays as Agreed '' alongside " Was 30 Days Late '' in history. 

Action Requested : Reconcile or remove inconsistent status reporting. 

XXXX XXXX XXXX XXXX XX/XX/XXXX( Account # : XXXX ) Equifax lists " Date of Last Payment '' as XX/XX/year>. Other bureaus show XX/XX/year>. 

" Date Last Active '' is different across bureaus. 

Action Requested : Align all date fields or delete the entry if unverifiable. 

XXXX XXXX ( Multiple Accounts ) Different open dates, balances, and payment info across bureaus. 

Some accounts show installment ; others show revolving ; some missing entirely. 

Action Requested : Remove any duplicate or unverifiable listings and correct open dates. 

Please conduct a reinvestigation and provide written confirmation of the outcome. Enclosed are a copy of my passport, a bank statement as proof of address, and marked sections of my credit report showing the discrepancies. 

Best regards

Company response to consumer: Closed with explanation