Consumer complaint received 2025-04-07 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: MA

Complaint narrative:
XXXX XXXX Account Number : XXXX XXXX Reported Issue : Payment History shows a XXXX late payment in XX/XX/XXXX Dispute Reason : I have consistently paid this account on time as evidenced by the XXXX status and the checkmarks ( ) indicating timely payments in subsequent months. This late payment appears to be an error and does not align with my payment history. 
XXXX XXXX Code : Suggest updating the Payment Rating to XXXX ( XXXX, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
XXXX XXXX : XXXX Inaccurate Payment History. 

XXXX XXXX  Account Number : XXXX XXXX Reported Issue : Payment History shows a XXXX late payment in XX/XX/XXXX Dispute Reason : I have consistently paid this account on time as evidenced by the PAYS_AS_AGREED status and the checkmarks ( ) indicating timely payments in subsequent months. This late payment appears to be an error and does not align with my payment history. 
XXXX XXXX Code : XXXX updating the XXXX XXXX to XXXX ( XXXX, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
XXXX XXXX : XXXX Inaccurate Payment History. 

XXXX XXXX  Account Number : XXXX XXXX Reported Issue : Payment History shows a XXXX late payment in XX/XX/XXXX Dispute Reason : This account is marked PAYS_AS_AGREED, and prior months show consistent timely payments ( ). The reported late payment in XX/XX/XXXX is inconsistent with my records, which show payment made on time. Please verify the accuracy of this entry. 
XXXX XXXX Code : XXXXuggest updating the Payment Rating to XXXX ( XXXX, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
XXXX XXXX : XXXX Inaccurate Payment History. 

XXXX  Account Number : XXXX XXXX Reported Issue : Payment History shows a XXXX late payment in XX/XX/XXXX Dispute Reason : This account is marked PAYS_AS_AGREED, and prior months show consistent timely payments ( ). The reported late payment in XX/XX/XXXX is inconsistent with my records, which show payment made on time. Please verify the accuracy of this entry. 
XXXX XXXX Code : XXXX updating the XXXX XXXX to XXXX ( XXXX, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
XXXX XXXX : XXXX Inaccurate Payment History. 

XXXX XXXX XXXX Account Number : XXXX XXXX Reported Issue : Payment History shows a XXXX late payment in XX/XX/XXXX Dispute Reason : This account is marked PAYS_AS_AGREED, and prior months show consistent timely payments ( ). The reported late payment in XX/XX/XXXX is inconsistent with my records, which show payment made on time. Please verify the accuracy of this entry. 
XXXX XXXX Code : XXXX updating the XXXX XXXX to XXXX ( XXXX, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
XXXX XXXX : XXXX Inaccurate Payment History. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Reported Issue : Collection account reported on XX/XX/XXXX, with an original amount owed of {$520.00} and status UNPAID. XXXX nearly identical entries appear with dates assigned as XX/XX/XXXX, and XX/XX/XXXX. 
Dispute Reason : These entries appear duplicative, potentially inflating the negative impact on my credit. Additionally, I dispute the validity of this debt as I have no recollection of receiving proper notice under the Fair Debt Collection Practices Act ( FDCPA ). Please verify the accuracy and legitimacy of these entries and remove any duplicates. 
XXXX XXXX Code : Suggest updating the Account Status to XXXX  ( Delete Account ) if unverifiable or duplicative. 
XXXX XXXX : XXXX XXXX Account XXXX XXXX : XXXX Not Mine/Incorrectly Reported.

Company response to consumer: Closed with non-monetary relief