Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureau continues to report multiple late payments on this account that are factually inaccurate and unverifiable. The account was paid and closed at my request. These derogatory late payments are harming my credit profile and were never properly validated or corrected despite prior disputes. The bureau has failed to comply with 15 U.S.C. 1681e ( b ) by not ensuring maximum possible accuracy and failed to reinvestigate under 15 U.S.C. 1681i ( a ) ( 5 ). As a documented victim of the National Public Data Breach, the bureau has a heightened duty to protect my credit file from inaccurate reporting. Their continued violations demonstrate willful non-compliance. I demand correction. 

XXXX  XXXX : The credit bureau continues to report multiple late payments on this account that are factually inaccurate and unverifiable. The account was paid and closed at my request. These derogatory late payments are harming my credit profile and were never properly validated or corrected despite prior disputes.

Violations : 15 U.S.C. 1681i ( a ) ( 5 ) Failure to properly reinvestigate disputes 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Willful non-compliance 15 U.S.C. 1681o Negligent non-compliance Metro 2 Compliance violations Reporting unverifiable late payment data As a documented victim of the National Public Data Breach, the bureaus have a heightened duty to ensure my credit file is fully accurate and free from unverifiable derogatories.

XXXX The credit bureau is reporting multiple 30-day and 60-day late payments that are inaccurate and unverifiable. This account remains open and current, but the reporting of these derogatories is suppressing my credit score unfairly. The bureau has refused to correct these inaccuracies after prior disputes.

Violations : 15 U.S.C. 1681i ( a ) ( 5 ) Failure to reinvestigate properly 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Willful non-compliance 15 U.S.C. 1681o Negligent non-compliance Metro 2 Compliance Failure to follow proper reporting standards As a victim of the National Public Data Breach, I am entitled to heightened scrutiny and full accuracy in credit reporting to prevent ongoing harm.

DELETE all derogatory late payments and update the account as Paid as Agreed / Never Late, while retaining the positive account history. 

XXXX This account is reporting multiple recent 30-day and 60-day late payments that are inaccurate, unverifiable, and harming my credit profile. Despite multiple disputes, the bureau has not corrected these errors. The continued reporting of unverifiable derogatories violates my rights under the FCRA.

Violations : 15 U.S.C. 1681i ( a ) ( 5 ) Failure to reinvestigate properly 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Willful non-compliance 15 U.S.C. 1681o Negligent non-compliance Metro 2 Compliance Reporting unverifiable data As a victim of the National Public Data Breach, I am experiencing additional risk of financial harm from their failure to maintain an accurate credit file. 
DELETE all late payment notations and update the account to reflect Paid as Agreed / Never Late while keeping the account active on my file.

Company response to consumer: Closed with non-monetary relief