Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Complaint Inaccurate Reporting, Improper Reinvestigation, and FCRA Violations XXXX XXXX XXXX  Loan Reporting a False XXXX Late Payment Credit Reporting Agencies : Experian and Equifax To Whom It XXXX Concern, I am filing this formal complaint against XXXX Bank, Experian XXXX and Equifax for violations XXXX the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate information, failure to maintain maximum possible accuracy, and failure to conduct a lawful reinvestigation after I disputed the false information. 

I fully paid the XXXX XXXX XXXX XXXX full, and the account is closed with a {$0.00} balance. Despite this, both Experian and Equifax continue to report a * * false XXXX late payment * *, which is * * factually incorrect * * and is causing significant and ongoing damage to my credit standing. 

I disputed the inaccurate late payment information with both credit reporting agencies. Instead of correcting the inaccuracy, both Experian and Equifax * * reinserted or reverified the incorrect late payment * *, despite being provided with the correct information and proof of payment. Their actions constitute clear violations of the FCRA.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. Violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Ensure Maximum Possible Accuracy Credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a 90-day late payment on an account that was paid in full and closed is a direct violation of this requirement.

Both Experian and Equifax have failed in this duty.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 2. Violation of FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Proper Reinvestigation * * After I filed formal disputes, both credit bureaus were required to conduct a reasonable reinvestigation.

Instead : - They continued reporting false late-payment information - They failed to correct the inaccuracy even after evidence was provided - They allowed the furnishers incorrect response to override proof - The negative information was reinserted without proper certification ( a violation of 611 ( a ) ( 5 ) ( B ) ) This demonstrates a failure to comply with the procedural and accuracy standards mandated by FCRA 611 .

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3. Violation of FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Reporting Information Known to Be Inaccurate Upstart/Drummond, as the furnisher, is prohibited from reporting information they * * know or should know * * is inaccurate. The account was paid in full, and the late-payment reporting contradicts the factual payment history.

They failed their obligation under 623 ( a ) ( 1 ) ( A ) by allowing inaccurate derogatory information to be supplied to Experian and Equifax.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 4. Damage Caused by This False Reporting The false 90-day late payment is severely harming my credit profile by : - Lowering my credit score - Negatively affecting creditworthiness, interest rates, and credit access - Causing financial and emotional distress - Leading to incorrect adverse action from lenders This incorrect derogatory mark is materially inaccurate, harmful, and unlawful.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 5. Requested CFPB Action I respectfully request the Consumer Financial Protection Bureau to : 1. * * Investigate Upstart/Drummond * *, Experian, and Equifax for violations of the FCRA 2 . Require Upstart/Drummond to provide accurate reporting consistent with actual payment history 3. Require Experian and Equifax to immediately remove the false 90-day late payment and report " paid in full '' or to remove the account from my credit profile 4. Ensure no reinsertion of incorrect information without full certification 5. Hold all parties accountable under FCRA 616617 for willful or negligent noncompliance The information being reported is false and is being maintained despite proper disputes and documentation. I request full and immediate compliance with all sections of the Fair Credit Reporting Act. 

Thank you for your time and assistance. I am prepared to provide further documentation upon request.

Company response to consumer: Closed with non-monetary relief