Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
This complaint concerns the XXXX XXXX account # XXXX * * * *. The account was opened in XXXX and closed in XXXX with a {$0.00} balance. Despite being fully paid, the account is still reported with derogatory late payments in XXXX across all three credit bureaus. 

I have previously disputed this account with the bureaus, but no corrections were made. The account is reported inconsistently : TransUnion : Closed/Current, but still showing late payments. 


Experian : Closed, but coded Late 30 Days even with {$0.00} balance. 


Equifax : Closed/Paid with {$0.00} balance, but still carrying derogatory history. 


This contradictory reporting is both inaccurate and harmful. It violates the requirement that credit reporting be accurate, verifiable, and consistent. 


Maximum possible accuracy under federal law. Reporting an account as both paid in full and late is contradictory and misleading. 


When I disputed previously, the CRAs were required to provide the method of verification, including what documents were reviewed and who verified the account. They failed to provide this. 

Metro 2 industry standards require uniform reporting across all CRAs, which is not happening here. 


Because I have already disputed this account, the continued inaccurate reporting after prior disputes shows a failure to conduct a reasonable reinvestigation. 


Dispute Notation Under federal law, furnishers must mark an account as disputed when a consumer challenges it. This did not happen, which misleads future creditors. 


XXXX XXXX XXXX XXXX XXXX not continue to report information it knows or should know is inaccurate. 

Resolution Immediate deletion of all late payment notations associated with this account across Experian, Equifax, and TransUnion. 


Cease and desist further reporting of these lates if they can not be legally verified. 


Provide the method of verification, including : Name/contact of the XXXX XXXX representative who confirmed the lates Documentation reviewed : original contract, payment history, ledger, XXXX, payment posting logs, Metro 2 fields Correct the account to show status as Closed Paid in Full {$0.00} Past Due, with accurate dates. 


If verification can not be provided, fully delete the account. Continued reporting of unverifiable information is a willful violation of federal law. 

Update the file to reflect that the account was formally disputed, as required, so it is not misrepresented to future creditors. 

They fail to account for my rights under the Fair Credit Reporting Acts XXXX alert provisions ( 605A ( b ), 15 U.S.C. 1681c-1 ( b ) ) and potentially under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901 et seq. ), which protects servicemembers from certain negative credit actions. 

By ignoring my XXXX XXXX protections, the reporting of derogatory late payments is not only inaccurate, but it also undermines the special safeguards federal law provides to servicemembers

Company response to consumer: Closed with explanation