Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
XXXX/XXXX/2025 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX MTR Account To Whom It May Concern : I am filing this formal complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX MTR account, as detailed below. Despite disputing this information multiple times ( letters dated XXXX/XXXX/2024, XX/XX/XXXX, and XX/XX/XXXX ), the inaccuracies persist in violation of the Fair Credit Reporting Act ( XXXX  ) and other federal regulations. 
Account Details : Creditor Name : XXXX MTR Account Number : XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX Closed Date : XX/XX/XXXX ( XXXX ), -- ( XXXX and Equifax XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Balance Owed : {$0.00} Account Status : Closed ( XXXX and XXXX ), Paid ( Equifax XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Closed or paid account/zero balance ( Equifax ) Issue XXXX : The late payment reported for XX/XX/XXXX is inaccurate, as shown in the two-year payment history on my credit reports. All three credit bureausEquifax, XXXX, and XXXX reporting a XXXX late payment for this date, despite the account showing a history of timely payments and being closed in good standing. 
Additionally, there are discrepancies in the account information across the XXXX credit bureaus : Date of Last Activity : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 
Closed Date : XXXX reports XX/XX/XXXX, while XXXX and Equifax leave this field blank. 
Account Description : XXXX and XXXX describe the account as individual, while Equifax specifies Closed or paid account/zero balance. 
These inconsistencies and the incorrect late payment notation demonstrate clear violations of FCRA requirements. 
Violations : XXXX XXXX XXXX XXXX : Credit reporting agencies must ensure the accuracy of information in consumer files and conduct reasonable investigations when disputes are filed. This has not been upheld, as evident by the continued inaccuracies. 
XXXX XXXX XXXX XXXX ( TILA ) : Creditors are required to provide periodic statements at least 21 days before the due date, which appears to have been neglected. 
XXXX XXXX XXXX XXXX ( b ) : Credit reporting agencies must maintain maximum possible accuracy in consumer reports. 
Desired Resolution : XXXX removal of the inaccurate late payment notation for XX/XX/XXXX from my credit reports. 
Correction of all discrepancies in the account details across all three credit bureaus. 
Written confirmation of the corrections made. 
Failure to resolve this matter promptly will leave me no choice but to escalate my complaint, including seeking legal remedies and filing additional complaints with relevant agencies. I trust that Equifax, XXXX, and XXXX will take immediate action to enforce compliance with federal regulations. 
Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation