Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am submitting this letter to dispute several inaccurate and misleading entries on my credit reports, which significantly misrepresent my payment history and financial status. The first account is XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a reported balance of {$0.00} and last payment dated XX/XX/XXXXXXXX XXXX XXXX which is entirely absent from my TransUnion report. This omission is a critical error because it presents an incomplete picture of my credit history. The account has been maintained and paid according to the agreed-upon terms, and the absence of this account on my TransUnion file creates discrepancies when compared to other bureaus. Under FCRA 607 ( b ), credit reporting agencies are required to employ procedures that ensure maximum possible accuracy, and 611 ( a ) provides me the right to dispute any incomplete or unverifiable information. I request that this account be properly verified, included, and accurately reflected on all credit reports to ensure a complete and fair representation of my credit history. 
The second account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$1600.00}, opened XX/XX/XXXX and last payment on XX/XX/XXXXXXXX XXXX XXXX, has been reported as 30 days late across all three bureaus. I have meticulously reviewed my records, including bank statements, electronic confirmations, and payment receipts, which show that all payments were made on time. Despite this, the inaccurate late payment entries have been reported for months, damaging my creditworthiness and creating a false impression of financial mismanagement. Such reporting violates FCRA 611 ( a ), which entitles me to dispute inaccurate information and to have it reinvestigated, and 623 ( a ) ( 2 ), which mandates that furnishers correct any discrepancies once identified. I request a full reinvestigation of this account, and that all late entries be corrected to reflect the accurate, verified on-time payment history. This correction is critical to prevent ongoing financial harm and misrepresentation. 
Finally, multiple accounts under XXXX, including balances of {$3800.00}, {$2300.00}, {$4600.00}, {$2400.00}, {$1100.00}, {$4700.00}, {$3700.00}, and {$2300.00} * *, with last payments ranging from XX/XX/XXXX to XX/XX/XXXX, have been incorrectly reported as 180 days late across all three bureaus. These accounts reflect my longstanding student loan obligations, and my verified payment records demonstrate that I maintained timely payments during the periods reported as delinquent. The extensive and repeated misreporting indicates significant errors in reporting or processing by the furnisher. This violates FCRA 607 ( b ), which ensures maximum accuracy, 611 ( a ), which grants my right to dispute, and 623 ( a ) ( 1 ) ( A ), which obligates furnishers to report only accurate information. I am providing detailed payment confirmations, bank statements, and relevant account records to substantiate these disputes.

Company response to consumer: Closed with non-monetary relief