Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am writing to request a reinvestigation of multiple accounts on my Experian credit file because the information currently reported does not fully reflect my actual payment history. I am not disputing the existence of these accounts, but I have identified inconsistencies in reported late payments and dates that I would like verified and corrected so that my credit file accurately reflects the true status of these accounts, including paid-as-agreed or positive/current status, in accordance with the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611. 
The first XXXX XXXX account ending in XXXX shows a balance of {$300.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX. Experian reports 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reported late payments do not appear to fully align with my actual payment history. I am requesting that Experian verify each reported late payment directly with the furnisher to ensure the account accurately reflects my repayment history. Accurate reporting is essential to maintain the integrity of my credit file and to comply with FCRA 602 ( a ) and 607 ( b ), which require credit reporting agencies to maintain maximum possible accuracy. 
The second XXXX XXXX account ending in XXXX shows a balance of {$440.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX. Experian reports a 30-day late in XX/XX/XXXX, a 60-day late in XX/XX/XXXX, a 30-day late in XX/XX/XXXX, and a 30-day late in XX/XX/XXXX. These reported late payments do not appear to fully align with my actual payment history, and I am requesting that Experian verify each entry directly with the furnisher. Ensuring the accurate reporting of this account will help reflect my true credit behavior and will maintain compliance with FCRA 611, which requires reasonable reinvestigation of disputed information. 
The XXXX account ending in XXXX shows a balance of {$190.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX. Experian reports a 30-day late payment in XX/XX/XXXX. This reported late payment does not appear to align with my actual payment history, and I am requesting that Experian verify this entry directly with the furnisher to ensure the account accurately reflects my repayment history. Accurate reporting of even small balances is critical for overall credit file integrity. 
The XXXX  XXXX account ending in XXXX shows a balance of {$57.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX. Experian reports multiple late payments : 30 days in XXXX XXXX, 30 days in XXXX XXXX, 60 days in XXXX XXXX, 90 days in XXXX XXXX 90 days in XX/XX/XXXX, and 30 days in XX/XX/XXXX. These reported late payments do not appear to fully align with my actual payment history. I am requesting that Experian verify each reported late payment directly with the furnisher to ensure the account accurately reflects my repayment history. Each late payment must be confirmed for accuracy to maintain the integrity of my credit report in compliance with FCRA 602, 607, and 611.

Company response to consumer: Closed with non-monetary relief