Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On multiple occasions in XX/XX/XXXX, my credit report reflected significant and conflicting changes to the payment history of my XXXX XXXX credit card account. These changes appear to have been made without any clear justification or communication and raise serious concerns about the accuracy and reliability of the reported information. 

On XX/XX/XXXX, the payment history was modified as follows : XX/XX/XXXX was changed from XXXX to XXXX  days late. 

XX/XX/XXXX was changed from XXXX  days late to XXXX days late. 

XX/XX/XXXX was changed from XXXX days late to XXXX. 

On XX/XX/XXXX, further inconsistent changes were made : XX/XX/XXXX was changed from XXXX days late back to XXXX. 

XX/XX/XXXX was changed from XXXX days late back to XXXX. 

XX/XX/XXXX was changed from XXXX to XXXX days late. 

XX/XX/XXXX was changed from XXXX to XXXX days late. 

On XX/XX/XXXX, additional modifications occurred : XX/XX/XXXX was changed from XXXX to Unknown. 

XX/XX/XXXX was changed from XXXX to XXXX days late. 

XX/XX/XXXX was changed from XXXX days late to XXXX days late. 

XX/XX/XXXX was changed from XXXX days late back to XXXX.

These inconsistent changes within such a short time frame are troubling. They create confusion and uncertainty regarding the accuracy of my credit history and may result in negative consequences to my credit standing and financial well-being. I am requesting a formal explanation and investigation into why these changes occurred and what steps will be taken to correct or clarify the record. 

In addition to the inconsistencies in my payment history, I noticed a significant and factually incorrect change in my account balance reported on XX/XX/XXXX. Specifically, it states that between XX/XX/XXXX, and XX/XX/XXXX, my account balance increased to {$300.00}. This is factually impossible and unsupported by my actual account activity. 

To clarify : On XX/XX/XXXX, I made a payment that reduced my total balance to {$140.00}. 

On XX/XX/XXXX, an interest charge of {$1.00} was applied, bringing the balance to {$140.00}. 

On XX/XX/XXXX, XXXX payments were made : {$17.00} and {$140.00}. These were not posted until XX/XX/XXXX, but they were made before any reported increase in the balance. 

On XX/XX/XXXX, I made a final payment of {$300.00}, bringing the balance to {$0.00}. 

Furthermore, my billing cycle does not generate until the XXXX of each month, which makes a mid-cycle balance increase of this kind even more questionable. 

Given this clear and documented payment history, the reported increase to a {$300.00} balance between XX/XX/XXXX and XX/XX/XXXX is not only inaccurate but entirely inconsistent with the actual transactions. I am requesting an immediate review of this discrepancy and a correction to reflect the accurate activity on my account. 

These reporting errorsboth in payment history and account balanceare not only misleading but could have serious implications for my credit profile. I respectfully request that XXXX XXXX investigate these inaccuracies and take prompt corrective action. 

When I contacted Equifax, I was told to reach out to XXXX XXXX. However, when I contacted XXXX XXXX, they directed me back to Equifax, leaving me in an endless cycle with no resolution. As a consumer, I am left without a clear path to fix these inconsistencies, despite my efforts to resolve them directly and transparently. 
I am not disputing the fact that late payments occurred I take full responsibility for those past delinquencies. My concern is with how inconsistently and inaccurately they are being reported. My goal is to rebuild my credit in order to purchase a home, and I need my credit report to reflect accurate, stable, and consistent data so that I can move forward without being penalized by reporting errors beyond my control.

Company response to consumer: Closed with non-monetary relief