Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am writing to dispute multiple errors reflected in my credit report regarding accounts held with XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX Specifically, the XXXX XXXX account ( Account Number : XXXX ) shows a XXXX late payment in XX/XX/XXXX, which is not accurate. This account, opened on XX/XX/XXXX, has always been managed carefully, with no payment being missed, especially in the timeframe indicated. I maintain a detailed record of my payments, and based on those records, there is no justification for reporting a late payment in XX/XX/XXXX. This error violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. I respectfully request that this erroneous XXXX late entry be thoroughly investigated and corrected from my credit file immediately. 
In addition to the XXXX XXXX account, there are multiple inaccuracies with my XXXX XXXX Bank accounts. The first account ( Account Number : XXXX ), opened on XX/XX/XXXX, shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments, as reported, are completely false. According to my records, I have consistently made all payments on time, and I have no recollection or evidence of missed payments for those months. The reported late payments are clearly a mistake, potentially stemming from either clerical errors or a systems malfunction. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from erroneous reporting that negatively impacts their credit, and these inaccurate late entries are damaging to my creditworthiness. I am requesting a full investigation into the payment history of this account, with a request for a formal correction if the information is found to be false. It is my right under Section XXXX of the FCRA to challenge the accuracy of such information, and I expect this matter to be rectified without delay. 
Furthermore, a second XXXX XXXX Bank account ( Account Number : XXXX ), opened on XX/XX/XXXX, reflects XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. As with the previous account, I have maintained an impeccable payment history, and no payments were missed during the indicated periods. These entries are also completely inaccurate and, based on my records, represent another instance of incorrect reporting. I am concerned that there may be a systematic issue with the reporting of these accounts, as Ive always ensured my payments are made on time. I respectfully request that the credit bureaus investigate these discrepancies under the guidelines set forth by the FCRA and corrected any unjustified late payment marks from my record. These inaccuracies not only misrepresent my financial responsibility but also pose an unjustified threat to my credit score and financial reputation. 
Lastly, I have noticed a concerning new late entry under the account with XXXX XXXX ( Account Number : XXXX ), which was opened on XX/XX/XXXX. The entry shows a late payment for XX/XX/XXXX, and lists the balance as {$3800.00}. This is an error, as no such late payment exists. The reported date of the payment, far into the future, appears to be a clerical or system error. According to the Fair Credit Reporting Act, all information reported to credit bureaus must be accurate and timely, and this inaccurate reporting of a future payment is a clear violation of that law. It is unreasonable and damaging to have a future payment incorrectly reported as late, as it severely impacts my credit profile. I request a full investigation of this account and immediate removal of this erroneous late entry. Under Section 609 of the FCRA, I have the right to ensure that all information on my credit report is accurate, and this incorrect late payment needs to be corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief