Consumer complaint received 2025-11-18 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 formally dispute the reporting of certain accounts on my credit file, which contain inaccurate and misleading information that does not reflect my verified payment history or legal financial status. The first account in question is XXXX XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$460000.00} and a last payment date of XX/XX/XXXXXXXX XXXX XXXX. This account has been reported with multiple late payments : 30 days in XXXX and XXXX XXXX 60  days in XX/XX/XXXX, and 90 days in XX/XX/XXXX. After reviewing my payment records, bank statements, and transaction confirmations, it is evident that all payments were made on time and in full. There is no legitimate basis for the reported delinquencies, and these entries misrepresent my financial behavior, creating a false narrative of irregular payments. It appears these errors may have resulted from processing or reporting mistakes, as the account shows continuous activity with no notice of delinquency from the creditor during these months. 
Additionally, my XXXX XXXX XXXXXXXX XXXX account, opened on XX/XX/XXXX with a balance of {$21000.00} and last payment dated XX/XX/XXXX, has been reported with extensive late payments, including 30-day lates in XX/XX/XXXX, XXXX to XX/XX/XXXX, a 60-day late in XX/XX/XXXX, a 90-day late in XX/XX/XXXX, 120-day lates from XXXX to XX/XX/XXXX, and continued 120-day lates from XXXX to XX/XX/XXXX. These reported delinquencies are wholly inconsistent with my verified payment history and are not reported in Experian or Equifax, resulting in incomplete and misleading credit reporting. The misreporting of this account not only harms my creditworthiness but also fails to meet the legal requirements for accurate and timely reporting. 
Furthermore, my XXXX XXXXXXXX XXXX XXXX  account, reported with a {$0.00} balance, was included in a XXXX  XXXX bankruptcy filing and legally discharged * *. The continued reporting of this account as unresolved or tied to a negative status is misleading and inconsistent with court records. Accurate reporting of bankruptcy accounts is critical, as they have direct legal implications and affect my ability to access credit. The inaccurate reporting of late payments on my XXXX XXXX and XXXX XXXX accounts, coupled with the misrepresentation of my discharged XXXX  XXXX bankruptcy, violates my rights under the Fair Credit Reporting Act. Specifically, FCRA 607 ( b ) requires credit reporting agencies to maintain procedures ensuring maximum possible accuracy of all consumer information ; FCRA 611 ( a ) grants consumers the right to dispute inaccurate or unverifiable information and to have it reinvestigated ; and FCRA 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) obligate furnishers to report only accurate information and promptly correct any identified discrepancies. 
I respectfully request a full reinvestigation of these accounts, that all inaccurate late payment entries on the XXXX XXXX and XXXX XXXX accounts be corrected to reflect their true on-time payment status, and that the XXXX  XXXX account be updated to accurately reflect its discharged status. I have included supporting documentation, including payment confirmations, bank statements, and bankruptcy discharge papers, to substantiate my claims.

Company response to consumer: Closed with explanation