Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this complaint because XXXXXX/XX/XXXX, XX/XX/XXXX and Equifax are reporting false, illegal, and harmful delinquency information on my active mortgage account, and their actions have resulted in documented financial harm, including the denial of a refinance application with Milend, which was explicitly caused by XXXX incorrect reporting. 

This mortgage is my current, active home loan, and I am making payments. Despite this fact,XX/XX/XXXXand Equifax are reporting multiple late payments in XXXX, including 30-day, 60-day, 90-day, and 120-day delinquencies. These late payments never occurred. I am not delinquent on my mortgage, and XXXX has been notified of these errors. 

Furthermore, these reported delinquencies are legally impossible and violate multiple federal laws because I filed XXXX XXXX Bankruptcy on XX/XX/XXXX, and the mortgage arrears were handled under the bankruptcy plan. Servicers are prohibited by law from reporting new delinquency tied to pre-petition arrears after the bankruptcy filing date. That means any delinquency reported after my XX/XX/XXXXXXXX filing date is illegal, inaccurate, and in direct violation of federal bankruptcy protections. 

The reporting also violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) bureaus must ensure maximum possible accuracy.

FCRA 1681i bureaus must properly reinvestigate disputes.

FCRA 1681s-2 ( a ) furnishers must report accurate, verified information.

FCRA 1681c restrictions on reporting of certain negative items.

It also violates : Bankruptcy Code 524 and 1322, by re-aging or re-reporting delinquency that was cured or protected under bankruptcy. 

CFPBs XXXX XXXX XXXX XXXX, which prohibit creditors from misreporting delinquency after bankruptcy. 

Here are the specific issues : XX/XX/XXXX is reporting XXXX late payments and labeling my active mortgage as Current account; was 120 days past due. This is contradictory, inaccurate, and misleading. A current mortgage can not simultaneously be 120 days late. 

Equifax is reporting XXXX late payments while also reporting Pays as agreed, which is impossible. Both bureaus are reporting contradictory and unverified information. 

TransUnion does not report this mortgage at all, which further proves that XXXX is not furnishing complete or consistent data, another violation of FCRA 1681e ( b ). 

These inaccuracies have directly caused financial damage. I applied for a refinance with XXXX, and I was explicitly told that I was denied because of XXXX false late payments on my report. I informed XXXX of this issue during my attempt to resolve the matter privately, but the false delinquencies remain. 

I contacted XXXX Mortgage directly to resolve the inaccurate reporting. I disclosed the refinance denial, the damage to my credit, and the fact that the reported lates were illegal post-bankruptcy. Despite this, XXXX did not correct the reporting. This failure to correct is a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information.

The false reporting is materially harming my creditworthiness, impacting my ability to refinance, obtain competitive rates, and maintain financial stability. These reporting errors have lasted for months and continue to cause serious financial harm. 

I have documented proof of : My XX/XX/XXXXXXXX filing ( XX/XX/XXXX ) MyXX/XX/XXXX discharge The inaccurate XXXX late payments on XX/XX/XXXX and EquifaxXX/XX/XXXX not reporting the account at all The bureaus are reporting fundamentally conflicting information across the three major CRAs, which shows the data can not be accurate or verified. These inconsistencies, combined with the illegality of post-bankruptcy delinquency, demonstrate that the reporting is reckless, negligent, and harmful.

This situation has caused severe emotional distress, financial strain, and a measurable decline in my credit scores. Mortgage late payments are the single most damaging category of credit derogatories, and these false reports immediately dropped my scores and blocked my ability to refinance into a more affordable loan. 

Despite attempts to resolve this directly with XXXX, their failure to correct the inaccurate reporting necessitates a CFPB complaint and regulatory intervention.

Company response to consumer: Closed with non-monetary relief