Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXXXXXX is reporting an inaccurate and factually impossible late payment on my account XXXXXXXX XXXX XXXX XXXX XXXX XXXXn my credit report, XXXX is showing XXXX 150 Days while at the same time reporting the account as PAID with a {$0.00} balance and {$0.00} past due. Experian and Equifax are also reporting conflicting information : Experian shows XXXX 150 Days, while Equifax reports the same account as XXXX with an all-OK XXXX payment history and no lates. The Last Reported dates are also inconsistent Experian shows XX/XX/XXXX while Equifax is still updating the account in XX/XX/XXXX, even though the account has been paid and inactive since XX/XX/XXXX. This is a direct violation of FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ) because the information being furnished is not accurate, not consistent, and not supported by FIGs own reporting across the bureaus. 
This account has been in dispute for well over 90 days, yet XXXX XXXX XXXX XXXXXXXX and the credit bureaus have not provided any actual proof that a XXXX late payment ever occurred. Under FCRA XXXX ( a ), a reinvestigation requires documentation, not automated verified stall letters. To legally report a XXXX late, XXXX must be able to produce the original signed contract showing my due date, a full payment ledger, itemized billing statements, and system records proving when my payment was posted late. They have produced none of that. 
Because this account is paid, shows a {$0.00} balance and {$0.00} past due, is reported as CURRENT on Equifax, and the XXXX payment history does not support a XXXX delinquency, I am demanding that FIG LOAXXXX XXXX XXXX  either ( 1 ) send me full validation including their internal payment ledger and bank posting records within 15 days, or ( 2 ) immediately remove any late payment notations from all three credit bureaus. If they can not produce those records within 15 days, then under FCRA 623 ( a ) ( 1 ) ( A ) and Metro-2 accuracy standards, this late payment must be deleted from my credit files.

Just incase you didn't know, which I know you all do here 's what's required to validate late payments : To legally report a Late 150 DaysXXXX XXXX XXXX XXXX XXXXXXXX and the credit bureaus must be able to produce : The original signed agreement/contract showing my due date, grace period, and billing terms. 
A complete payment ledger showing each due date, the exact date each payment was received, how it was applied, and how they calculated a XXXX delinquency. 
Monthly billing statements for the months they claim I was late, plus any statement showing a past-due or delinquency notice. 
System records or screenshots from XXXX  internal system showing the payment posting dates and the exact date status changed to 150 days late. 
XXXX XXXX fields : accurate payment history grid ( XXXX ), correct Account Status, Past Due, Date of First Delinquency, Date of Last Payment, and Last Reported date all consistent across Experian, Equifax, and XXXX  XXXX

Company response to consumer: Closed with explanation