Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am sending to follow up statement on my previous communication regarding discrepancies I have found on my credit report. As previously noted, I believe several of the entries listed on my Experian, Equifax, and TransUnion credit reports do not accurately reflect the true history of my financial obligations, and I respectfully request that these entries be thoroughly reinvestigated and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$20000.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$69.00} Date XXXX Date of Last XXXX late 30 days XXXX XXXX reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, late 60 days XXXX XXXX reported in XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$1000.00} Date XXXX Date of Last XXXX late 30 days XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$330.00} Date XXXX Date of Last XXXX late 30 days XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 90 days XXXX XXXX reported in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX * Balance Owed : {$0.00} XXXX XXXX Date of Last XXXX late 30 days XXXX XXXX reported in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 30 days XXXX XXXX reported in XXXX and XXXX Under the Fair Credit Reporting Act ( FCRA ), particularly sections XXXX, XXXX, and XXXX, I have the right to dispute any information that is incomplete or inaccurately presented, and I am exercising that right in this case. As outlined in my previous letter, there are several instances of late payment notations that appear inconsistent with the actual history of the accounts involved. In some cases, late marks appear only on my Experian report and not on the other bureaus, while in others, the late notations are at odds with my payment records or the short-term nature of the accounts. I have provided detailed explanations for each account in question and outlined why I believe these errors to be due to clerical mistakes, timing mismatches, or other reporting inconsistencies. I am requesting that each account be reviewed for accuracy and that corrections be made to reflect the true nature of the payments and the consistent manner in which I have managed these accounts.

As required by FCRA 623 ( a ) ( 2 ), I understand that furnishers must correct and update any incorrect information upon notification of a dispute, and I trust that Experian will fulfill its obligation to ensure my credit report is fair, accurate, and reflective of my actual financial behavior. Additionally, as per 15 U.S.C. 1666, which addresses billing errors, I am requesting that any discrepancies related to clerical or timing issues be fully corrected.

Company response to consumer: Closed with non-monetary relief