Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account Dear CFPB, I am filing a complaint against Equifax, XXXX, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my requests have been ignored, and no changes have been made to the account information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$660.00} ( XXXX and XXXX ), {$500.00} ( Equifax ) Last Verified : XX/XX/XXXX ( XXXX ), [ Not Verified - XXXX  ], [ Not Verified - Equifax ] Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX ) Account Status : Closed ( All Bureaus ) Payment Status : Current ( All Bureaus ) Credit Limit : {$500.00} Discrepancies : Inconsistent Reporting of Late Payments : Equifax incorrectly reports late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). 
XXXX and XXXX incorrectly report late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). 
These discrepancies are in direct violation of the accuracy requirements stipulated in 15 U.S. Code 1681e ( b ). 
Unresolved Disputes : Despite my disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the account remains unchanged, and the errors persist. The account is listed as " Account not disputed '' across all three bureaus, which is inaccurate and misleading. 
Inconsistent High Balance Reporting : XXXX and XXXX : {$660.00} Equifax : {$500.00} Inconsistent " Date Reported '' Across Bureaus : XXXX and XXXX list the report date as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The discrepancies and unresolved disputes reflect a failure to comply with this obligation. 
Truth in Lending Act ( TILA ) : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to meet this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely and accurate statements, preventing undue penalties. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report for XXXX, XXXX, and XX/XX/XXXX. 
Written confirmation from each credit bureau that the corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including legal action and filing additional complaints with the Federal Trade Commission ( FTC ) and relevant consumer protection agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation