Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
I am writing to dispute numerous inaccuracies in the reporting of my XXXX accounts, which currently reflect late payments that are entirely inconsistent with my verified payment history. My review of these accounts reveals that the reported delinquencies are factually incorrect, materially misleading, and have negatively impacted my credit profile. For instance, my XXXX account ( # XXXX * * * * * * * * *, XXXX {$5300.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) is showing late payment marks that never occurred. My records, including detailed bank statements and payment confirmations, show that every payment was made on or before the due date. This inconsistency is a violation of FCRA 607 ( b ), which mandates that furnishers ensure the maximum possible accuracy of all consumer data. 
Similarly, my XXXX accounts ( # XXXX * * * * * * * * *, XXXX {$6600.00}, opened XX/XX/XXXX ; # XXXX * * * * * * * * *, XXXX {$6700.00}, opened XX/XX/XXXX ; # XXXX * * * * * * * * *, XXXX {$6500.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ; and # XXXX * * * * * * * * *, XXXX {$8800.00}, opened XX/XX/XXXX ) all reflect late payment notations that are incorrect. During the months reported as delinquent, I consistently made timely payments, which can be verified by my bank statements and the electronic payment confirmations issued by XXXX. No notices of missed or late payments were ever received, and there were no interruptions in the automatic or manual payment processing. These repeated errors clearly violate FCRA 623 ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or have reason to believe is inaccurate. It is deeply concerning that multiple accounts show similar errors, suggesting systemic reporting failures rather than isolated incidents. 
Further, my DEPTEDNELNET accounts ( # XXXX * * * * * * * * *, Balance {$6700.00}, opened XX/XX/XXXX ; # XXXX * * * * * * * * *, Balance {$5900.00}, opened XX/XX/XXXX ; # XXXX * * * * * * * * *, Balance {$1000.00}, opened XX/XX/XXXX ; # XXXX * * * * * * * * *, Balance {$3600.00}, opened XX/XX/XXXX ; # XXXX * * * * * * * * *, Balance {$3600.00}, opened XX/XX/XXXX ; and # XXXX * * * * * * * * *, Balance {$1700.00}, opened XX/XX/XXXX ) all demonstrate the same pattern of incorrect late reporting. I have meticulously maintained a comprehensive log of payments, including electronic confirmations, account statements, and transaction receipts, which verify that every payment was made in a timely manner. There were no missed deadlines, processing errors, or notices of delinquency from the creditor during any of the reported months. Under FCRA 611 ( a ), any information that can not be verified or is demonstrably inaccurate must be corrected or updated promptly. I am formally requesting that each of these accounts be thoroughly reviewed, and all inaccurate late entries be corrected to accurately reflect my on-time payment history.

Company response to consumer: Closed with explanation