Consumer complaint received 2025-06-21 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: MI

Complaint narrative:
This serves as a formal follow-up dispute regarding Equifax credit report file number XXXX, issued on XX/XX/XXXX. I am disputing the inaccurate and misleading reporting of my XXXX XXXX XXXX auto loan, specifically the notations of XXXX, XXXX, XXXX, and XXXX delinquencies. These derogatory marks are not supported by my bank statements, XXXX XXXX own ledger, or the tradeline details provided. The records Ive attached clearly contradict the delinquency history reported by Equifax. 

Inaccurate Delinquency Reporting My auto loan payment of {$390.00} is due on the XXXX of each month, with late fees assessed after the XXXX. A fee charged on the XXXX or XXXX does not justify reporting the account as XXXX or XXXX days late. Delinquencies should only be reported if no full payment is made within XXXX days of the due date. Despite consistently making full and catch-up payments, XXXX XXXX applied those payments inconsistentlysometimes reducing the past-due balance, sometimes not. In some instances, even a {$19.00} late fee triggered delinquency reporting, which is improper and misleading. 
Below is a month-by-month breakdown showing clear discrepancies between Equifaxs reporting and my verified payments. 

Detailed Dispute Summary : XXXX XXXX Reported XXXX days late. Paid {$300.00} on XX/XX/XXXX and {$310.00} on XX/XX/XXXX. Total : {$610.00}. Full payment made. Reporting as XXXX  days late is inaccurate. 

XXXX XXXX Reported XXXX days late. Paid {$390.00} on XXXX and again on XX/XX/XXXX. XXXX full payments made. This reporting also violates the XXXX XXXX, which amended the FCRA to prohibit negative reporting if a consumer was current prior to entering accommodation and continued to make agreed-upon payments. I was enrolled in Credit Acceptances XXXX Protected Status through XX/XX/XXXX, during which their own XX/XX/XXXX notice stated I was not required to bring past-due balances current. 
XXXX Reported XXXX days late. Paid {$390.00} on XX/XX/XXXX full and timely. 
XXXX Reported XXXX days late. Paid {$390.00} on XX/XX/XXXX full and timely. 
XXXX Reported XXXX  days late. No payment made. Should reflect XXXX days late at most. 
XXXX Reported XXXX days late. Paid {$400.00} on XX/XX/XXXX. Partial but not XXXX days late. 
XXXX Reported XXXX days late. Paid {$390.00} each month on time. 
XXXX Reported XXXX days late. No payment made. Should reflect XXXX days late. 
XXXX Reported XXXX days late. Paid {$200.00} on XXXX and {$250.00} on XX/XX/XXXX. Total : {$450.00}, more than required. These were part of a documented payment plan. 

XXXX XXXX Reported XXXX days late. Paid {$250.00} each month under a payment plan. 
XXXX XXXX payment made. Should reflect XXXX days late based on rolling history. 
XXXX XXXX {$250.00} on XXXX and {$500.00} on XX/XX/XXXX. Total : {$750.00}. Full catch-up made. 
XXXX Reported XXXX days late. Paid {$390.00} each month full and timely. 
XXXX XXXX payment made. Should be XXXX days late at most. 
XXXX Paid {$390.00} XXXX XXXX  monthly, yet reported as XXXX days late throughout. This does not reflect true payment status. 

XXXX XXXX XXXX {$390.00} XXXX XXXX monthly. Still reported XXXX and XXXX days late. 
XXXX XXXX payment recorded. Should reflect XXXX  days late, not XXXX. 
XXXX Not reported. Paid {$800.00} on XX/XX/XXXX more than double the obligation. 
XXXX XXXX Not reported. Paid {$600.00} on XX/XX/XXXX. 
XXXX Reported XXXX days late. Paid {$600.00} on XX/XX/XXXX. 
XXXX Not reported. Paid {$2400.00} on XX/XX/XXXX a major overpayment. 
XXXX XXXX XXXX Accurately reported as XXXX. 
XX/XX/XXXX Reported XXXX days late. Paid {$800.00} should not be late. 
XXXX XXXX XXXX All payments made in full and on time. Reported correctly. 

Summary of Dispute Grounds : * Dozens of full, timely, or catch-up payments were misreported as XXXX days late. 
* XXXX hardship protections under the XXXX XXXX were ignored in early XXXX, despite compliance with accommodation terms. 
* Overpayments and structured payment plans were not credited correctly. 
* Delinquencies were reported erratically ( e.g., jumping from XXXX XXXX days late ) with no basis in the actual payment behavior. 
* XXXX XXXX standards and FCRA requirements for maximum possible accuracy were violated. 

Request for Reinvestigation and Correction : Given this detailed evidence, I request a full manual reinvestigation of this tradeline. Do not rely solely on XXXX XXXX automated response. Per FCRA XXXX, Equifax is legally obligated to ensure the accuracy of all information in my credit file. 
It is both logically and factually impossible for my account to reflect such extreme and sustained delinquency over multiple years when I never missed more than XXXX payments in any given year. In XXXX through XXXX, I made more than XXXX payments per year the required amount to remain current. This payment frequency contradicts any assertion of chronic delinquency. 

Equifaxs tradeline paints an inaccurate and damaging picture of neglect and default when, in reality, I made consistent and good-faith efforts to pay including during periods of national emergency. The report fails to account for : * Payment timing * Partial payments that resolved past-due balances * Overpayments applied without benefit * Documented accommodations Harm Caused by Inaccurate Reporting : Due to this false reporting, I have suffered both emotional and financial harm. These derogatory notations : * Have lowered my credit score, * Led to multiple denials for auto financing and essential credit, and * Caused ongoing stress, anxiety, and reputational damage. 
I have spent dozens of hours gathering records, submitting disputes, and receiving no meaningful resolution. It is emotionally exhausting to be penalized for trying to stay on track especially during a national crisis. 

Conclusion and Action Requested : Please immediately update or remove the inaccurate delinquency notations associated with this tradeline. I request written confirmation of the changes made.

Company response to consumer: Closed with explanation