Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because I have discovered several inaccuracies in my credit report that are negatively affecting my credit score and do not accurately represent my payment history or financial conduct. I take all my financial obligations seriously and have consistently maintained timely payments across all my accounts. It is disheartening to see information that does not align with my verified records. I am requesting an accurate correction so that my credit file truthfully reflects my actual payment history. 

Details of the Inaccurate Information : XXXX  XXXX Account Ending XXXX This account appears as open with a {$5.00} balance, a date of last activity of XX/XX/year>, and a 30-day late payment reported on that same date. This is inaccurate. I have never been late on this account. My records and online payment statements confirm that all payments were processed on time through automatic payments. Given that the date of last activity and late payment share the same date, this seems to be a reporting or system error rather than an actual missed payment. I am requesting that Equifax verify this account with XXXX XXXX and correct it to reflect on-time payments. 

XXXX XXXX Account Ending XXXX This account shows a {$160.00} balance, a date of last activity of XX/XX/year>, and is marked both 30 days and 60 days late. These two delinquency statuses can not occur in the same reporting cycle, indicating an error. I have proof of on-time payments for this account. The dual delinquency may be due to a duplicate or delayed report from the creditor. I request that Equifax reinvestigate and correct this account so that it accurately shows my actual payment record. 

XXXX XXXX XXXX Account Ending XXXX This account is reported as closed with a {$0.00} balance, yet it still shows 30- and 60-day late payments dated XX/XX/year>, and XX/XX/year>. A fully paid and closed account should not reflect late activity after closure. I made all final payments on time, and there were no delinquencies. This appears to be outdated or residual data attached to my file. I request that Equifax correct this entry to show that the account is Closed Paid as Agreed with no late history. 

Legal Rights and Applicable Laws : My request for correction is made under my rights granted by the following federal consumer protection laws : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) Ensures maximum possible accuracy of credit information.

Fair and Accurate Credit Transactions Act ( FACTA, 312 ) Strengthens consumer rights to dispute and correct inaccurate data.

Fair Debt Collection Practices Act ( FDCPA, 807 ( 8 ) ) Prohibits reporting of false or misleading credit information.

Equal Credit Opportunity Act ( ECOA, 701 ( a ) ) Protects consumers from unfair credit evaluation practices.

Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ) Prohibits deceptive or abusive practices in financial data reporting.

Company response to consumer: Closed with explanation