Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Late Payments on XXXX Account : XXXX Dear CFPB, I am submitting this dispute regarding inaccurate late payments that are reported on my credit file maintained by Equifax . These late payments are erroneous and do not accurately reflect my payment history. Below, I outline the nature of my complaint and request resolution under the Fair Credit Reporting Act ( FCRA ).

Nature of the Complaint : Inaccurate Reporting : According to the Equifax report, the account shows two 30-day late payments and one 60-day late payment in the " Days Late - 7 Year History '' section. However, no specific dates are provided, and the Two-Year Payment History for XXXX and XXXX shows no marked late payments. This inconsistency is inaccurate and misleading. 
My records confirm that I have consistently made all payments on time, as I am enrolled in autopay for all my accounts.

Contradictions in Account Information : Credit Limit : Equifax reports the credit limit as {$1300.00}, but no transactions or balances have been reported.

Payment Status : The account is listed as Current, yet late payments are simultaneously indicated, which is contradictory.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates FCRA Section 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

It also violates 15 U.S. Code 1681i ( reinvestigations of disputed information ) and 15 U.S. Code 1681s-2 ( responsibilities of furnishers of information ). 
Details of the Account Discrepancies : Account Information from Equifax Report : Account Number : XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$1300.00} Issues Identified : No Specific Late Payment Dates : The report indicates late payments ( XXXX occurrences at 30 days and XXXX occurrence at 60 days ) but fails to provide any dates or specific months in which these payments allegedly occurred. 
Contradictions in Reporting : The Two-Year Payment History shows no late payments in XXXX and XXXX, yet the Days Late section records late payments without supporting detail. 
Requested Resolution : I request that Equifax take the following actions : Conduct a thorough investigation into the reported inaccuracies for the XXXX account. 
Remove the erroneous late payments and update my credit report to accurately reflect my consistent on-time payment history. 
Verify the accuracy of the reported late payments by contacting the furnisher ( XXXX ). 
Provide documentation supporting the claims of late payments if they are accurate, including exact dates. 
Provide written confirmation of these corrections within 30 days of this complaint submission. 
Failure to resolve this issue may lead to further action to protect my rights as a consumer under the FCRA, including possible civil remedies as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Attachments : Include a copy of your credit report highlighting the discrepancies and any supporting documentation. 
Thank you for your immediate attention to this matter. I look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation