Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I have a full copy of my credit report, and I have found many errors and inaccurate information, and I demand that this account be properly investigated and deleted from my consumer report due to being wrongly reported. It has caused a great deal of frustration in my life, and this is not fair. According to the law, I demand my full rights be carried out, and I will continue to fight for fair credit reporting.Dear Sir/Madam, I am writing to formally dispute and demand immediate correction or deletion of inaccurate information being reported on my Equifax credit file regarding XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inaccuracies Identified : The account is listed as open and " As Agreed '', yet it simultaneously shows serious derogatory payment history : 3 instances of 30-day late, 4 instances of 60-day late, and 26 instances of 90-day late payments, which is contradictory and misleading. 
Remarks indicate " This is an account in good standing, '' which conflicts with the repeated severe delinquency entries and misleads potential creditors. 
Past due amount is reported as {$0.00} despite the presence of multiple late payments, creating an internal conflict. 
Payment history is incomplete and lacks supporting evidence, including monthly breakdowns verifying each alleged late entry. 
Balance and high credit information are not consistently aligned with the reported payment activity and remain unsupported by proper documentation. 
Number of Violations and Amounts : Total Violations Identified : XXXX 1?. Conflicting account status vs. payment history.

2?. False " As Agreed '' designation despite severe derogatory entries.

3?. Misleading " good standing '' remark contradictory to payment data.

4?. Incorrect {$0.00} past due reporting while listing delinquencies.

5?. Incomplete and unsupported payment history details. 
Amount per Violation : {$1000.00} Total Violations Amount : {$5000.00} Violation of FCRA : Under 15 U.S.C. 1681e ( b ) and 1681i, Equifax is obligated to ensure all credit report information is complete, accurate, and verifiable. The conflicting and unsupported data on this account clearly violate these legal requirements and cause harm to my creditworthiness. 
Requested Action : I demand immediate deletion of all inaccurate late payment entries, correction of contradictory statements, and removal of all derogatory comments. If you can not fully verify this information with original source documentation ( not internal system data ), I request full deletion of this account from my Equifax credit report. 
Please provide me with the results of your reinvestigation in writing within 30 days as required by law. 
Thank you for yDear Sir/Madam, I am writing to formally dispute the inaccurate and harmful information reported on my Experian credit file concerning XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inaccuracies Identified : The account is reported as open and " As Agreed '', yet it simultaneously lists severe late payment history : 3 instances of 30-day late, 4 instances of 60-day late, and 26 instances of 90-day late payments, which is inconsistent and misleading.

The remarks " This is an account in good standing '' contradict the extensive history of delinquencies and mislead potential lenders. 
The reported past due amount is listed as {$0.00}, conflicting with the severe derogatory payment marks. 
Payment history is incomplete and lacks month-by-month verification or supporting evidence for each alleged late mark. 
The balance and high credit information are not accurately matched to payment activity and lack supporting detail. 
Number of Violations and Amounts : Total Violations Identified : XXXX 1?. Conflicting account status vs. payment history.

2?. False " As Agreed '' designation despite severe derogatory entries.

3?. Misleading " good standing '' comment.

4?. Incorrect {$0.00} past due amount despite late history.

5?. Incomplete or unsupported payment breakdown. 
Amount per Violation : {$1000.00} Total Violations Amount : {$5000.00} Violation of FCRA : Under 15 U.S.C. 1681e ( b ) and 1681i, Experian is required to maintain complete, accurate information and reinvestigate or delete incorrect items when disputed. Your current reporting violates these obligations and damages my creditworthiness. 
Requested Action : I demand immediate deletion of all inaccurate late payment entries, correction of contradictory statements, and removal of all derogatory comments. If Experian can not fully verify this information with original source documentation, I request complete deletion of this account from my credit file. 
Please provide the results of your reinvestigation in writing within 30 days as required by law. 
Thank you for your immediate attention to this matter.our prompt and thorough attention to this matter Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information on my TransUnion credit file concerning XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inaccuracies Identified : The account is reported as open and in good standing ( " As Agreed '' ), yet simultaneously lists severe derogatory payment history : 3 instances of 30-day late, 4 instances of 60-day late, and 24 instances of 90-day late payments, which is highly contradictory and misleading.

The record states " This is an account in good standing '' despite the presence of extensive late payments, creating conflicting and inaccurate status representations. 
The reported payment history is severely inconsistent and incomplete, lacking proper monthly breakdown and supporting documentation for each alleged late mark. 
The past due balance is listed as {$0.00} while simultaneously listing multiple severe delinquencies a clear conflict. 
The high credit and balance information are not clearly substantiated by detailed payment records or proper explanations. 
Number of Violations and Amounts : Total Violations Identified : XXXX 1?. Conflicting account status vs. derogatory payment history.

2?. False " As Agreed '' designation despite severe delinquencies.

3?. Incorrect " good standing '' remark misleading creditors.

4?. Misreporting of {$0.00} past due despite late entries.

5?. Incomplete and unsupported payment history details. 
Amount per Violation : {$1000.00} Total Violations Amount : {$5000.00} Violation of FCRA : Under 15 U.S.C. 1681e ( b ) and 1681i, TransUnion is obligated to report only complete and accurate information, and must correct or delete unverifiable or incorrect data upon dispute. Your current reporting violates these obligations and causes significant harm to my credit profile.

Requested Action : I demand immediate deletion of all inaccurate late payment entries, correction of all contradictory statements, and removal of all derogatory or misleading comments. If you can not fully verify these items with original, documented evidence ( XXXX XXXX XXXX XXXX  ), I request complete deletion of this account from my TransUnion credit report. 
Please provide me with the reinvestigation results in writing within 30 days as required by federal law. 
Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief