Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments and account details that appear on my credit report. The following accounts contain discrepancies that have led to significant harm to my credit score. As a consumer, I have the right to ensure that all information reported to the credit bureaus is accurate and complete under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information. These inaccuracies need to be corrected, and I am requesting a thorough investigation into each matter. 
The first account I would like to address is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account. This account was opened on XX/XX/XXXX, and I have consistently made payments towards the balance of {$990.00}. However, the last payment date of XX/XX/XXXX does not match the actual payment history. According to my records, my last payment was made much earlier, and the account is listed as showing a late payment that I do not believe occurred. I request that the Fair Credit Reporting Act ( FCRA ) be applied in this case, specifically 15 U.S.C. 1681i, which grants consumers the right to dispute and have inaccuracies corrected. The failure to update this account 's payment status and correct this error has had a direct negative effect on my creditworthiness. Furthermore, I request that this account be thoroughly investigated to verify the accuracy of the payment information and correct any discrepancies. 
Additionally, I have noticed another XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, with a balance of {$3200.00}. This account shows a similar issue, where the last payment date of XX/XX/XXXX does not accurately reflect the timeline of payments I have made. I have been consistently making payments on this account, and my records do not support the erroneous late payment entries reported. Under 15 U.S.C. 1681s-2, creditors are required to report accurate information, and it appears that in this case, the information furnished is incomplete or misleading. I urge the credit bureau to investigate this matter and contact the creditor to resolve any errors regarding the payment history of this account. 
I also wish to address the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, opened on XX/XX/XXXX, with a balance owed of {$3100.00}. This account shows a late payment error, with the last payment date listed as XX/XX/XXXX. However, my records do not reflect such late payments, and I have been making payments on time. As required under 15 U.S.C. 1681e ( b ), all information reported must be accurate and verifiable. I request that this accounts payment history be re-examined and corrected to ensure that the details match the true nature of my payment record. 
Moving forward, I would like to address the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, with a balance owed of {$1000.00}. This account shows discrepancies in the reported payment dates and amounts, particularly regarding the last payment, which is listed as XX/XX/XXXX. However, I have made payments that do not appear on the report, and there is an inconsistency in the reported dates. Under 15 U.S.C. 1681c, creditors must report accurate data, and the failure to include the correct payment history is a violation of my rights as a consumer. I request that you reach out to the creditor to obtain correct documentation and update this account to reflect the true payment history. 
I also wish to dispute the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, with a balance owed of {$1900.00}. The last payment date is listed as XX/XX/XXXX, which does not match the actual payment timeline. In reviewing my records, I can confirm that there were no late payments or gaps in my payment schedule. 15 U.S.C. 1681e ( b ) mandates that consumer reports are kept accurate and up-to-date, and the inaccuracies regarding the payment information on this account need to be corrected. I ask that you investigate the matter with the creditor and amend the report to reflect an accurate and timely payment history. 
Finally, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account, opened on XX/XX/XXXX, with a balance owed of {$5000.00}, also shows late payment errors. The last payment date is reported as XX/XX/XXXX, but the actual payment was made earlier, and the delay is inaccurately reported. As per 15 U.S.C. 1681i, I have the right to challenge any false or misleading information on my credit report, and it is important that the payment history for this account be investigated and corrected. It is critical for my credit report to reflect the true status of all payments made, and I trust that you will take the necessary steps to amend these inaccuracies.

Company response to consumer: Closed with non-monetary relief