Consumer complaint received 2025-12-26 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: SC

Complaint narrative:
Recently, I reviewed my credit report and identified multiple billing and reporting errors that constitute billing errors under 15 U.S.C. 1666 ( b ), including : ( 4 ) the creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor, and ( 5 ) a computation or accounting error reflected on a statement.

Additionally, I was not provided a billing statement at least 21 days prior to the alleged due dates, as required. Because proper notice was not provided, late payments could not lawfully be assessed. Any late payment reporting under these circumstances is inaccurate and constitutes a billing error. I am demanding verifiable proof, including creditor bank records or accounting documentation, demonstrating that I failed to make a payment and that the late status was validly assessed. In the absence of such proof, this reporting is inaccurate and must be corrected or deleted. 

The accounts listed below must be updated to PAID AS AGREED or deleted from my consumer report. 

XXXX XXXX I am disputing this account again because the credit bureau continues to mishandle my prior disputes. This account is reported as paid, closed, with a XXXX balance and no past-due amount, yet it continues to reflect XXXX and XXXX late payments. This is inaccurate and misleading. 

Reporting delinquency on a paid, zero-balance account violates FCRA 1681e ( b ), which requires maximum possible accuracy, and FCRA 1681s-2 ( a ) ( 1 ), which prohibits reporting information that is incomplete or misleading. A paid account can not continue to report late payments without supporting, verifiable evidence.

You also failed to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). Re-verifying the same inaccurate information without correction does not meet the legal standard for a reasonable investigation. Under Metro 2 reporting guidelines, once an account is paid and closed with no past-due balance, adverse payment history must be corrected or deleted if it creates a misleading impression. 

Because this account is paid, closed, and not past due, the continued reporting of late payments is damaging, inaccurate, and noncompliant. 
Demand : Permanently DELETE this tradeline, or alternatively, delete all late payment remarks and update the account to PAID AS AGREED. Any failure to correct this reporting will be documented as continued noncompliance with the Fair Credit Reporting Act. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I am disputing this account again because it does not reflect the true performance of the account. This is a secured loan that is paid, closed, and shows a XXXX balance, yet it continues to report XXXX and XXXX late payments, which misrepresents my actual credit behavior. 

Reporting late payments under these conditions violates FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) because the information is inaccurate, incomplete, and misleading. I satisfied this obligation in full, and the account does not reflect an unresolved delinquency.

You failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ). Simply confirming furnisher data without correcting contradictory reporting is not a lawful investigation. Under Metro 2 standards, when an account is paid, closed, and not past due, the payment history must accurately reflect satisfactory performance.

Demand : I am not requesting deletion of this account. I am demanding that it be corrected to PAID AS AGREED, with all late payment indicators permanently deleted. Continued failure to do so will be documented as noncompliance.

NOTICE OF NONCOMPLIANCE As a consumer, I am entitled to accurate reporting under federal law. These accounts must be corrected or deleted immediately. Failure to do so may constitute willful noncompliance under 15 U.S.C. 1681n, for which I may seek monetary damages in small claims court. 

Please note that this matter has already been submitted to the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals Office, XXXX XXXX XXXX and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation