Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX XXXX XXXX account ending in XXXX, which is currently listed as late closed with a balance of {$2700.00}. According to my records, this account was consistently maintained and all payments were made in full and on time prior to closure. At no point was this account left delinquent or in default, making the late closed designation factually incorrect and misleading. Reporting it in this manner creates a false narrative of financial irresponsibility, which can directly harm my creditworthiness and affect opportunities for loans, mortgages, or other credit products. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of all information in consumer reports. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) requires that furnishers of information report only data they know or should reasonably know is accurate. I am requesting a thorough reinvestigation of this account, including verification with XXXX  XXXX XXXX, and the correction or deletion of the late closed status if supporting documentation can not substantiate the reported delinquency.

The inaccurate reporting of this account has caused tangible and ongoing consequences in my financial life. The false late closed designation misrepresents my actual payment history and may negatively influence decisions by lenders, creditors, and even prospective landlords, potentially leading to higher interest rates, loan denials, or other unfavorable terms. Beyond the financial impact, this inaccuracy has placed a considerable emotional and administrative burden on me, requiring ongoing monitoring, time-consuming disputes, and repeated efforts to ensure the accuracy of my credit report. Under FCRA 611 ( a ) ( 15 ), I am entitled to request a reinvestigation of any information I believe is incomplete, inaccurate, or unverifiable, and I am formally exercising this right. I am requesting written confirmation of the results of the reinvestigation, including copies of any documentation relied upon to support the reported status of this account. Proper verification is critical to ensure the accuracy, fairness, and reliability of my credit profile.

Finally, it is essential that my credit report accurately reflect my history of responsible financial management. Misreporting, whether due to error or omission, undermines my personal and financial integrity and can have long-lasting effects on my credit opportunities. I have consistently prioritized meeting my financial obligations and maintaining open, accurate communication with creditors, and my credit report must reflect this diligence. Therefore, I am requesting that this account be corrected to reflect its true status as a responsibly closed account or removed entirely if a lawful late closure can not be verified. Ensuring the accuracy of this account is not only required under FCRA 607 ( b ), 611 ( a ) ( 15 ), and 623 ( a ) ( 1 ) ( A ), but it is also necessary to restore the integrity, credibility, and reliability of my credit history and protect my ability to access fair and unbiased credit opportunities in the future.

Company response to consumer: Closed with explanation