Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reported balance : {$1500.00} Payment history : Incorrectly reflects late payments in XXXX and XX/XX/XXXX, despite timely payments on my end. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Reported balance : {$890.00} Payment history : Incorrectly and Inaccurately reflects late payments starting in XX/XX/XXXX for 90 days past due, but first delinquency states it started in XXXX XXXX despite timely payments on my end. 

XXXX XXXX XXXX  Reported Balance : {$1100.00} Payment history : Consistently on-time, except for XXXX disputed late payment in XX/XX/XXXX for 60 days, which does not align with my actual account activity. 

XXXX XXXX Reported Balance : {$640.00} Payment history : Consistently on-time, except for one disputed late payment in XX/XX/XXXX, which does not align with my actual account activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consistently on-time, except for XXXX disputed late payment in XXXX XXXX XXXX XXXX XXXX, which does not align with my actual account activity. 
XXXX XXXX 's place Reported balance : {$890.00} XXXX. XXXX XXXX XXXX XXXX XXXX history : Incorrectly reflects late payments from XXXX XXXX XXXX despite timely payments on my end. 

XXXX. XXXX XXXX XXXX history : Incorrectly reflects Charge off from XXXX and XX/XX/XXXX, then ontime payments from XXXX XXXX XXXX  Charge off again XX/XX/XXXX, then on time payments from XXXX XXXX to XX/XX/XXXX, then XX/XX/XXXX starting with 90 days late XXXX XX/XX/XXXX showing on time following with XXXX and XXXX incarraties being reported despite timely payments on my end. 

XXXX. XXXX XXXX XXXX Payment history : Incorrectly reflects late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to XX/XX/XXXX and XX/XX/XXXX despite timely payments on my end. 


These inaccuracies harm my creditworthiness and financial reputation. Per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure accurate and complete reporting. Equifaxs failure to uphold this standard is unacceptable and warrants immediate correction. 
Requested Action : I request the following actions : A thorough investigation into the inaccuracies of the reported balances, credit utilization rates, and payment history for the accounts mentioned above. 
Immediate corrections to the balances, utilization rates, and payment history to reflect accurate information.

Assurance that future reports are updated to prevent similar errors.

CFPB Enforcement Note : Given the CFPBs recent {$3.00} billion fine imposed on Equifax, Experian, and TransUnion for their repeated violations of accurate credit reporting, I urge the CFPB to hold Equifax accountable for these continued reporting failures. 

Attachments : Screenshot of the Equifax credit report for my XXXX XXXX account. 
Screenshot of the Equifax credit report for my XXXX XXXX account. 
Screenshot of the Equifax credit report for XXXX XXXX XXXX XXXX account. 
Screenshot of the Equifax credit report for XXXX XXXX XXXX XXXX XXXX account. 
Screenshot of the Equifax credit report for my XXXX XXXX XXXX XXXX account. 
Screenshot of the Equifax credit report for my XXXX XXXX XXXX account. 
Screenshot of the Equifax credit report for my XXXX XXXX XXXX account. 
Screenshot of the Equifax credit report for my XXXX XXXX account. 
Screenshot of the Equifax credit report for my XXXX XXXX account. 
Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief