Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last XXXX Late 30 Days DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} Date of Last XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8100.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4900.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} Date of LastActivity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 daysJun, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$15000.00} Date Opened : XX/XX/XXXX Dateof Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} Date XXXX Date of Last Activity : XX/XX/XXXX Last XXXX late 30 days XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, or removed within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with non-monetary relief