Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXXXXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite my previous dispute submitted on XX/XX/XXXX, the inaccuracies remain unresolved with XXXX and XXXX, and Equifax still reflects a 90-day late payment status in error. 
Below, I provide the specific details of the account and the errors that must be corrected : Account Information : Account Number : XXXX High Balance : {$500.00} Last Verified : XXXX : XX/XX/XXXX ; XXXX : Not Provided ; Equifax XXXX Not Provided Date of Last Activity : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Reported : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Opened : XXXX : XX/XX/XXXX ; XXXX and Equifax XXXX XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XXXX XXXX XX/XX/XXXX ; XXXX and Equifax XXXX Not Provided Account Rating : XXXX : Closed ; XXXX and Equifax XXXX Paid Payment Status : XXXX and XXXX : Late 90 Days ; Equifax XXXX Late 90 Days ( despite previous corrections removing late payment history ) Dispute Status : Account not disputed ( prior to current submission ) Discrepancies Identified : XXXX. XXXX and XXXX report 30-day, 60-day, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX. These payments were never late, and I can provide evidence of timely payments. XXXX. Equifax reflects a 90-day late payment status in the " XXXX XXXX '' field, despite having previously corrected the payment history to remove late payments. 
XXXX. The account status is listed as " Closed '' with a {$0.00} balance, indicating no current or past due amounts. Additional Information ( PAANL ) : Upon review of the Payment Amount and Account Number Labeling ( PAANL ), I have identified discrepancies in how payments and account identifiers are being reported across the credit bureaus. Specifically : Payment amounts are consistently listed as {$0.00} despite the account being closed in good standing. The account number format is truncated differently across the bureaus, which may contribute to mismatched reporting and inaccuracies during updates. The inconsistent labeling of " Closed '' versus " Paid '' in the account rating field further confuses the payment status representation. Relevant Laws Supporting My Dispute : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to ensure the accuracy of information included in consumer reports. The following provisions are relevant : 15 USC 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 15 USC 1681i : Mandates a reinvestigation of disputed information by credit bureaus. 15 USC 1681s-2 : Obliges furnishers to report accurate information and correct inaccuracies promptly. 15 USC 1681c : Prohibits inclusion of outdated or incorrect information on a credit report. 15 USC 1681b : Protects consumer privacy by ensuring only permissible purposes for information usage. Action Requested : XXXX. XXXX : Remove the inaccurate 30-day, 60-day, and 90-day late payments reported for XXXX and XX/XX/XXXX from my payment history. XXXX. XXXX : Remove the inaccurate 30-day, 60-day, and 90-day late payments reported for XXXX, XXXX, and XX/XX/XXXX from my payment history. 
XXXX. Equifax : Update the " Payment Status '' field to remove the erroneous 90-day late payment status and ensure no late payments are reflected in the payment history. 4. Conduct a full reinvestigation of the account to ensure compliance with the FCRA and provide me with the results of the investigation.

I have attached supporting documentation, including payment records and correspondence from my previous dispute, for your review.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide an update on the status of this dispute as required under the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation