Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate late payment entries reported across my credit files with Experian, Equifax, and TransUnion. These inaccuracies misrepresent my credit history, violate the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and XXXX XXXX reporting standards, and continue to harm my creditworthiness despite prior disputes. 

The accounts listed below are either paid, closed, or current, yet are still being inaccurately reported as delinquent. This is not only contradictory to the account status but also demonstrates willful noncompliance by the credit reporting agencies and furnishers after receiving notice of error. 

Accounts in Dispute XXXX. XXXX XXXX Account Ending XXXX Problem : Reported as paid/closed with {$0.00} balance, but still shows XXXX and XXXX late payments. 

Why its wrong : A closed/paid account can not simultaneously carry delinquency codes. This contradicts Metro 2 standards ( fields for Account Status and Payment History are inconsistent ). 

Law Violated : FCRA 1681s-2 ( accuracy ), TILA 1666 ( billing error ). 

Requested Resolution : Remove all XXXX and XXXX late payment remarks ; update to Paid/Closed {$0.00} Balance, Paid as Agreed. 


XXXX. XXXX XXXX XXXX Account Ending XXXX Problem : Reported as closed by consumer request/paid, but bureaus list XXXX, XXXX, and XXXX late payments. 

Why its wrong : A closed/paid account can not carry active delinquency codes. This is a reporting error that misrepresents the repayment history. 

Law Violated : FCRA 616617 ( willful noncompliance ), TILA 1666 ( billing error ). 

Requested Resolution : Remove all XXXX, XXXX, and XXXX lates ; reflect only Closed/Paid, Positive Standing. 

XXXX. XXXX Account Ending XXXX Problem : Shows a XXXX late payment despite being reported as paid/closed with a XXXX balance. 

Why its wrong : I made timely payments. The notation is a billing error and inconsistent with Metro 2 standards. 

Law Violated : FCRA 1681s-2 ( accuracy ), TILA 1666 ( billing error ). 

Requested Resolution : Remove the erroneous XXXX late payment while keeping the account as XXXX, XXXX XXXX. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Account Ending XXXX Problem : Account is open/current with active balance, yet multiple XXXX late payments are reported. 

Why its wrong : An account reported as Current/Paying as Agreed can not simultaneously show late notations. This is contradictory and misleading. 

Law Violated : FCRA 1681s-2 ( accuracy ), TILA 1666 ( billing error ). 

Requested Resolution : Remove all false XXXX late entries ; maintain account as Open/Current, Paying as Agreed. 

XXXX. XXXX Account Ending XXXX Problem : Account is closed/paid with {$0.00} balance, but Equifax and TransUnion report XXXX late payments from 2019. 

Why its wrong : Once paid and closed, delinquency codes can not legally remain attached. Experian correctly reports as XXXX, but others do not. 

Law Violated : FCRA 1681s-2 ( accuracy ), Metro 2 reporting standards, TILA 1666 ( billing error ). 

Requested Resolution : Delete all XXXX late payment notations and update uniformly across all three bureaus as Paid as Agreed/ Closed {$0.00} Balance. 

Violations & Harm FCRA Violations Failure to ensure maximum possible accuracy ( 1681e ( b ) ).

Failure to reinvestigate disputed accounts ( 1681i ).

Willful noncompliance ( 1681n ). 

TILA Violations False delinquency reporting constitutes a billing error under 15 U.S.C. 1666. 

Consumer Harm Suppression of credit score. 

Difficulty obtaining credit approvals. 

Higher interest rates due to artificially derogatory reporting. 

Desired Resolution Immediate removal of all inaccurate late payment notations from the accounts listed. 

Update credit reports to reflect accurate status : Paid/Closed in XXXX XXXX or XXXX, Paying as Agreed. 

Written confirmation from each credit bureau and furnisher once corrections are made.

Company response to consumer: Closed with non-monetary relief