Consumer complaint received 2025-12-05 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 writing this letter with the intention of bringing clarity, accuracy, and fairness to several entries currently appearing on my Experian, Equifax and TransUnion credit report. The Fair Credit Reporting Act, particularly 602, emphasizes Congresss intent that consumer reporting be fair, accurate, and reflective of the true character of a consumers financial history. I appreciate that Experian is entrusted with upholding that standard, and it is in that spirit that I respectfully request a full reinvestigation of the accounts listed below. 
Under FCRA 611 ( 15 U.S.C. 618i ), I am exercising my right to dispute information that is incomplete or inaccurately presented. Additionally, FCRA 623 ( a ) ( 2 ) obligates furnishers to correct and update reported information to ensure the highest level of accuracy, and 623 ( b ) requires them to conduct reasonable investigations once a bureau is notified of a dispute. The principles found in 15 U.S. Code 1666, which relate to the correction of billing errors, support the broader goal of ensuring that any reporting irregularity whether clerical, timing-related, or informational is fully corrected. 
What follows is a detailed account-by-account narrative of the discrepancies as I have observed them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Account Opened XX/XX/XXXX Balance : {$20000.00} Last Activity : XX/XX/XXXX Reported : XXXX late in XX/XX/XXXX. This XXXX account has been one of my most consistently maintained financial obligations. From the very beginning in early XXXX, I made it a priority to ensure that each payment was handled responsibly and on time. I track my payments closely, not only through XXXX own system but also through my banks transaction records. When I saw a 30-day late payment reported for XX/XX/XXXX, it immediately stood out as inconsistent with the historical way this account has been managed. During that period, I was making regular payments, and I have never allowed this account to fall behind. Because of the significance of auto-related accounts and their impact on credit standing, I respectfully request that Experian reinvestigate this entry and update the reporting so that it accurately reflects a payment history paid as agreed, in alignment with the accounts actual handling. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed Account. Opened XX/XX/XXXX Balance : {$0.00} Last Activity : XX/XX/XXXX Reported : 30-day late XX/XX/XXXX, XXXX late XX/XX/XXXX. These late marks do not appear on Equifax or TransUnion. This store account was opened several years ago and eventually closed in good standing with a XXXX balance, demonstrating the care with which it was handled. When I reviewed my Experian report, I noticed two late notations one for XX/XX/XXXX and another for XX/XX/XXXX. I found this surprising because these late markers do not appear on my other bureau reports, and I do not recall ever allowing this account to fall behind. During that time, I was actively managing several financial responsibilities, and this was one of the accounts I paid off and closed smoothly. I believe these reported late payments may reflect a reporting inconsistency or timing mismatch. Given that the account was ultimately satisfied with a XXXX balance, and considering the discrepancies across bureaus, I request a reinvestigation and correction to reflect that the account was paid as agreed throughout its life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account Opened XX/XX/XXXX | Balance : {$0.00} | Last Activity : XX/XX/XXXX Reported : 30-day late XX/XX/XXXX. This account was very short-term in nature and was settled quickly. It was opened in XX/XX/XXXX and was brought to a XXXX balance by early XXXX. When I saw that a 30-day late had been added for XX/XX/XXXX, it felt out of place because my payment records show that the account was resolved in a timely manner. There was no extended delinquency or lapse in communication with the creditor. At the time, I had made it a point to manage this account carefully to maintain a positive trade line. Given the clean closure and XXXX balance, I respectfully request that the XX/XX/XXXX late payment notation be reinvestigated and corrected to properly show paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX Balance : {$1000.00} Last Activity : XX/XX/XXXX Reported : 30-day late XX/XX/XXXX and XX/XX/XXXX. This was an account used for a purchase that Ive consistently maintained and paid on. The reported late payments for XXXX and XX/XX/XXXX were unexpected, as I was actively making payments during that time. I regularly monitor my obligations and would not allow a two-month consecutive late occurrence without immediately addressing it. Because these entries do not align with my payment behavior or my documentation, I kindly request that Experian investigate these two reported late months and update the record to reflect paid as agreed, consistent with the true nature of the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account Opened XXXX : {$0.00} Last Activity : XX/XX/XXXX Reported : 30-day late XX/XX/XXXX. This account was another revolving line that I handled with care and ultimately closed with a XXXX balance, demonstrating my consistent repayment history. The notation of a 30-day late in XX/XX/XXXX appears inconsistent with the way this account was maintained. During that time, I was actively managing my revolving accounts and ensuring that all were handled responsibly. Because the account ended in good standing and my personal records do not support a late payment for that period, I request that this entry be reviewed and corrected to show paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX Balance : $ XXXX Activity : XX/XX/XXXX Reported : 30-day late XX/XX/XXXX and XX/XX/XXXX. This account was used for a small line of credit and was always carefully managed. When I reviewed my report, the late entries for XXXX and XX/XX/XXXX did not match what I remember from managing that account. During early XXXX, I was actively reviewing and scheduling payments on all of my accounts, and there was no indication that this particular account had fallen behind. Because the balance was moderate and because I was closely overseeing my payments at that time, these late entries appear inconsistent. I request a reinvestigation of both months and correction to reflect paid as agreed, consistent with the actual handling of the account. 
XXXX XXXX XXXX XXXX XXXXXXXX Closed Account Date Reported : XX/XX/XXXX Last Activity : XX/XX/XXXX Reported : 90-day late XX/XX/XXXX. Not reported as late on Equifax or TransUnion. This account was reported as a 90-day late in XX/XX/XXXX, which seems highly unusual given the very short time frame the account existed and the fact that neither Equifax nor TransUnion shows any such late mark. It is difficult for a XX/XX/XXXX account to reflect 90 days of delinquency within the same month, which suggests a strong possibility of a reporting discrepancy or error. 
Because the account was closed in good standing and the reporting is inconsistent both internally and across bureaus, I respectfully request that Experian reinvestigate and correct this account to show paid as agreed, consistent with the true history. 
In each of the above situations, I am asking for correction of accounts, only that they reflect complete and accurate information under the requirements of FCRA 602, 611, 623, as well as the corrective principles outlined in 15 U.S.C. 1666. Once the reinvestigation is completed, I request that Experian send me an updated copy of my corrected credit file.

Company response to consumer: Closed with non-monetary relief