Consumer complaint received 2025-10-15 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: RI

Complaint narrative:
b'I am requesting CFPB assistance to correct and if necessary delete inaccurate and non compliant late payment reporting that is harming my credit scores and access to fair credit The disputed reporting does not meet XXXX XXXX  data standards and was not verified with competent evidence as required by federal law\n\nAccounts at issue\nXXXX XXXX  account number XXXX\nTransUnion and Equifax are reporting this auto account as open and current while also showing a XXXX day late and a past due amount This combination cannot exist under XXXX XXXX because a current open account cannot carry a derogatory payment rating at the same time The files also show inconsistent and conflicting data points including date opened shown as XXXX XXXX XXXX XXXX XXXX  with differing specific dates across bureaus number of months terms reported as XXXX on XXXX  bureau which is not a valid term structure and multiple mismatches in last reported date date last active and date of last payment These conflicts indicate a failure to maintain maximum possible accuracy and a failure to verify The bureaus continued the derogatory notation after I disputed and requested documentary proof from the furnisher and none was provided to me\n\nXXXX XXXX account number XXXX\nTransUnion shows this tradeline as open with a XXXX day late and a past due balance of XXXX  with last reported date XXXX XXXX XXXX XXXX XXXX XXXX XXXX and date of last payment XXXX XXXX XXXX XXXX XXXX XXXX An open current account cannot be coded as XXXX days late under XXXX XXXX  while also carrying a current status The bureau did not provide documentary support from the furnisher when I disputed and the combination of fields is internally contradictory and misleading which violates accuracy and verification duties\n\nWhat happened and how it harmed me\nI reviewed my credit files and saw the above contradictions and derogatory marks I sent disputes requesting verification with real evidence including copies of billing statements showing any missed cycle notices timestamps and the creditor accounting showing application of payments I also raised billing error concerns under federal law because the creditor failed to properly reflect payments and did not provide a twenty one day statement window before assessing a late fee or late status The bureaus and furnishers did not provide competent documentary proof and they kept publishing the derogatory data As a result I received unfair credit denials and higher pricing due to score impacts which created financial strain and emotional distress including anxiety around housing and transportation stability\n\nSpecific evidence based issues for CFPB review\nXXXX XXXX integrity failure open current status with simultaneous derogatory payment flag not permissible\nConflicting dates including last reported date last active date and date of last payment which shows the data cannot be verified as accurate\nMissing valid terms field reporting including a XXXX month term which is not a credible installment structure\nNo itemized documentary proof provided by furnishers to support the late marks after my disputes\nFailure to reasonably investigate and correct after notice of dispute\n\nDocuments and proof requested from furnishers and bureaus\nOriginal signed contract or electronic agreement with authentication of ownership and authority\nFull billing history from month prior to the alleged delinquency through the present including statement generation dates mailing or electronic delivery logs and system timestamp logs\nComplete payment histories showing dates amounts channel confirmation numbers and how each payment was applied to principal interest and fees\nInternal data dictionaries and XXXX XXXX code maps used to furnish the account fields so the contradictory status coding can be reconciled\nAgent logs indicating who verified the late mark and what documents they reviewed\n\nRelief requested\nFor XXXX XXXX delete the late payment and update the account to read pays as agreed never late and remove any past due field if the account is current\nFor XXXX delete the XXXX day late and update to pays as agreed never late and remove any past due field if the account is current\nIf the furnishers cannot produce the above documentary proof within the CFPB process require full deletion of the tradelines to prevent continued harm\nRequire the bureaus to run a fresh reinvestigation with the above documents review and then provide me a written explanation of the precise XXXX XXXX fields changed and why\n\nSummary justification\nFCRA 1681e b requires maximum possible accuracy and the contradictory coding and conflicting dates show a breach\nFCRA 1681i a requires a reasonable reinvestigation and correction or deletion when information cannot be verified The bureaus continued to report without producing verification\nFCRA 623 also known as 1681s 2 b requires furnishers to investigate after notice from a bureau and to delete or correct information that is inaccurate or cannot be verified\nBilling error rules under federal law including failure to properly reflect payments and computation errors support that the late coding is not reliable\nXXXX XXXX Credit Reporting Resource Guide requires coherent field relationships An open current account cannot carry a simultaneous derogatory payment rating terms cannot be XXXX  and date chains must align\nThese facts show non compliance and a continued publication of unverified derogatory data that depresses FICO scores and causes measurable financial harm\n\nRecommended action for the CFPB\nOrder immediate removal of the derogatory late notations and correction to pays as agreed never late on the affected accounts If the furnishers cannot produce authenticated records confirming a true delinquency order full deletion of the accounts for failure to verify and continued non compliance Require the bureaus and furnishers to provide me a complete response package with the documents relied upon and a clear itemization of XXXX XXXX fields corrected\n\nRecommendation for strategy\nPrimary goal remove the derogatory late marks for the fastest FICO recovery\nIf verification is not produced seek full deletion of the XXXX XXXX and XXXX tradelines for failure to verify and for XXXX XXXX  data integrity failures\nEscalation to regulators is appropriate and should proceed through CFPB with parallel notice to FTC and the State Attorney General for oversight of continued reporting'

Company response to consumer: Closed with explanation