Consumer complaint received 2025-12-19 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: AR

Complaint narrative:
I am writing to dispute inaccuracies on my credit report regarding the account listed under DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year>, with a balance of {$1100.00}. The report indicates a 120-day late payment history, which I firmly believe to be an error. According to my own detailed payment records and financial statements, I have always made payments on or before the due dates, and there has been no occasion where a payment was made late by 120 days. The reported late payment history is not only inaccurate but also has an unjustified and detrimental effect on my credit score. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that the information you report is complete and accurate. Specifically, under FCRA 1681i, I have the right to dispute any information that is inaccurate, and you are required to conduct a reasonable investigation within 30 days. I request a full investigation into this matter and an immediate correction of the inaccurate information on this account. This error is severely affecting my creditworthiness, and it is imperative that it be rectified promptly. 
Similarly, I must address another account, also listed under DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/year>, with a balance of {$1800.00}. This account also reflects a 120-day late payment, which I dispute. I have consistently ensured that payments on this account have been made on time, and there has been no delay, let alone a 120-day late period. I have kept meticulous records of all payments made, including electronic bank transfers and receipts, none of which suggest that I have ever been 120 days late. The erroneous late payment report not only harms my ability to obtain credit but also causes unnecessary stress and delays in securing financing for personal and business-related purposes. Under FCRA 1681i ( a ) ( 1 ) ( A ), I am entitled to a prompt and thorough investigation of any disputed information. I request that you investigate this account thoroughly, as it is vital to rectify this false late payment history in accordance with both the FCRA and applicable state laws. I expect the removal of this inaccurate information from my credit report as soon as possible. 
The impact of these inaccuracies on my financial health is significant, and I believe that they violate my rights under both the Fair Credit Reporting Act ( FCRA ) and state consumer protection laws. The FCRA mandates that all information reported to the credit bureaus must be accurate, and I have a legal right to dispute any information that I believe is incorrect. Under FCRA 1681e ( b ), you are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in the credit reports you provide. Additionally, FCRA 1681s-2 ( a ) requires data furnishers to report accurate information to the credit bureaus and to correct any inaccuracies promptly. Furthermore, under 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and attorney 's fees if it is found that these errors were willfully reported with negligence.

Company response to consumer: Closed with explanation