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: FL

Complaint narrative:
I am writing to bring to your attention multiple inaccuracies reflected on my credit file, specifically concerning late payment notations on both open and closed accounts. Upon careful review of my records, it has become clear that several entries do not align with my verified payment history. These inaccuracies not only misrepresent my financial responsibility but also have a negative impact on my creditworthiness. I am formally requesting that each of the accounts listed below be corrected or updated in accordance with the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ), which collectively require the maximum possible accuracy of consumer information, the correction of unverifiable data, and prompt updating of any inaccuracies once identified. 
The first account, XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$0.00} and last payment on XX/XX/XXXX, is inaccurately noted as late. According to my financial records, every scheduled payment for this account was made in full and on time, with confirmations from the creditor supporting timely processing. There has been no notice of missed or delayed payments, and no transaction interruptions occurred. The reporting of a late payment in this instance appears to be a clerical or system error. This is a violation of FCRA 607 ( b ), which obligates consumer reporting agencies to maintain procedures to ensure maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know, or have reason to believe, is inaccurate. Additionally, under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be corrected or updated. I respectfully request that this account be corrected to accurately reflect its current status and on-time payment history. 
The second account, XXXXXXXX XXXX XXXXXXXX, opened on XX/XX/XXXX with a reported balance of {$790.00} and last reported on XX/XX/XXXX, also contains inaccurate late notations. My transaction history, bank statements, and payment confirmations clearly show that all payments were made in full and on schedule. There is no evidence of any delinquency, nor was I ever contacted regarding any missed or late payment. Reporting this account inaccurately violates FCRA 623 ( a ) ( 2 ), which requires furnishers to promptly investigate and correct any information found to be inaccurate, as well as FCRA 607 ( e ), which gives consumers the right to dispute inaccurate data and receive timely resolution. I am requesting that this account be fully investigated and updated to reflect accurate payment history, as the current misreporting could unjustly harm my credit profile. 
The third account, XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX with a reported balance of {$0.00} and last payment on XX/XX/XXXX, shows a late payment of 120 days past due. I have never received any formal notification of delinquency, and my verified records confirm that all payments were timely. This account is inaccurately reported as delinquent, which misrepresents my payment history. According to FCRA 611 ( a ) ( 1 ), I have the right to request a reinvestigation of disputed information, and under FCRA 623 ( a ) ( 5 ), furnishers are required to report accurate dates of last activity. Furthermore, my closed XXXX XXXX account is still being linked to ongoing activity, which is misleading and could negatively impact my credit evaluation. As required by FCRA 611 ( a ) ( 2 ), any unverifiable information must be corrected or removed, and under FCRA 623 ( a ) ( 2 ), once an inaccuracy is confirmed, it must be promptly updated.

Company response to consumer: Closed with non-monetary relief