Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which appears on my Equifax credit report as a late closed account with a reported balance of {$0.00}. * * Upon reviewing my credit file in detail, it is clear that this reporting is completely inaccurate, misleading, and damaging to my creditworthiness. I maintained this account responsibly throughout its term, and at no point did I ever miss payments or incur delinquencies that would justify a late designation. This false reporting has caused undue stress, confusion, and tangible financial harm, as potential lenders reviewing my file could easily misinterpret this inaccurate entry as evidence of irresponsible financial behavior. I have contacted XXXX XXXX XXXX XXXX directly, and their records confirm that all payments were made in full and on time, yet Equifax continues to report this account as late closed. This is unacceptable and a direct violation of my rights under federal law.

Under FCRA 607 ( b ), credit reporting agencies are legally required to ensure the maximum possible accuracy of all reported information. Reporting this account as late, when it is demonstrably not, constitutes a failure to comply with this obligation. Additionally, FCRA 611 ( a ) ( 1 ) mandates that I am entitled to a full and thorough reinvestigation of any item I dispute, and that the bureau must correct or delete any information that can not be fully verified. The repeated inclusion of this inaccurate late closed status, despite my disputes and documented evidence from XXXX XXXX, shows a blatant disregard for these federal protections. Furthermore, under FCRA 623 ( a ) ( 1 ), furnishers like XXXX XXXX XXXX XXXX are required to provide accurate and complete information to the bureaus. If Equifax can not produce full, original payment histories, statements, or other verifiable documentation confirming that I ever missed a payment, then this late closed status is false and must be removed immediately. Continuing to report this inaccuracy is reckless and damaging. 
To provide context, I maintained this account diligently from the date it was opened, making timely monthly payments without fail. When preparing to close the account, I coordinated directly with XXXX XXXX to ensure the payoff was accurate and that the account would be closed in good standing. Despite these efforts, the late closed status appears in Equifax only, while XXXX XXXX XXXX do not reflect any delinquency. This inconsistency across bureaus demonstrates that Equifax is reporting unverifiable and inaccurate information, which is a direct violation of FCRA 607 ( b ) and 611 ( a ) ( 1 ). I am demanding that EquifaxXXXX XXXX XXXX XXXX immediately conduct a full reinvestigation, verify this account with XXXX XXXX, and provide written confirmation that the late closed designation will be permanently removed unless original documentation can conclusively prove delinquency. Any failure to comply will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) pursuing legal remedies for continued reporting of false information.

Company response to consumer: Closed with non-monetary relief