Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I am filing this complaint to report ongoing violations of the Fair Credit Reporting Act ( FCRA ) involving the inaccurate reporting of late payments on specific accounts listed on my consumer credit report. Despite multiple disputes, the credit reporting agencies and furnishers continue to report demonstrably inaccurate, contradictory, and non-compliant information, causing ongoing financial harm. 

Item XXXX XXXX XXXX XXXX Auto Loan Account Number : Ending XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Current Balance : {$0.00} High Balance : {$13000.00} This XXXX XXXX  auto loan is reported as paid, closed, and current, with no balance due and no amount past due. However, the same account continues to report 30-day, 60-day, and 90-day late payment indicators, delinquency history, and negative status codes.

These data points can not coexist. A paid and closed account with a XXXX balance can not lawfully continue to report delinquency or late payment history. The account is also reported inconsistently across credit bureaus, with differing late payment counts and reporting dates, further proving the information is not accurate or reliable. 

Additionally, the account is marked as dispute resolved, consumer disagrees, yet the inaccurate late payment history remains unchanged. This demonstrates that no reasonable reinvestigation occurred. Re-reporting the same inaccurate information after a dispute does not satisfy the reinvestigation requirements of 15 U.S.C. 1681i ( a ). 

This reporting also violates XXXX XXXX standards, which require that account status, payment history, balance, and remarks be accurate, complete, and internally consistent. If XXXX XXXX can not produce original, contemporaneous records proving the alleged late payments, federal law requires that the inaccurate late payment history be deleted. 

Item XXXX XXXX XXXX XXXXXXXX Credit Card Account Number : Ending XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} Credit Limit : {$3500.00} This XXXX XXXX credit card account is currently reported as open, current, and paid as agreed, with a XXXX balance and no amount past due. However, late payment indicators are being reported on some credit bureaus while the same account is reported positively on other bureaus with no late payment history. 

An account can not be positive on one credit bureau and negative on another when the underlying account history is identical. This contradiction alone establishes that the information being furnished is inaccurate and fails the FCRA requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Despite prior disputes, the account was marked as dispute resolved, yet the late payment indicators remain. Simply confirming previously reported information without correcting known inconsistencies does not constitute a lawful reinvestigation under 15 U.S.C. 1681i ( a ).

Furthermore, the continued reporting of late payments on an account that shows current status, XXXX balance, and no past-due amount is a Metro 2 compliance failure, as payment history, account status, and remarks must align.

Legal Violations and Harm The reporting described above violates, but is not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or that should be known to be inaccurate Metro 2 Reporting Standards Internal inconsistency and inaccurate payment history reporting As a direct result of this inaccurate reporting, I have suffered credit denials, reduced creditworthiness, and higher interest rates. These damages are ongoing as long as the inaccurate late payments remain on my credit file.

Requested Resolution I am requesting CFPB assistance to require the credit reporting agencies and furnishers to : Delete all inaccurate late payment indicators, delinquency markers, and negative status codes associated with the accounts listed above ; or Correct the accounts to accurately reflect Paid as Agreed, consistent with their true payment history.

I am not requesting partial updates or cosmetic changes. If the alleged late payments can not be fully verified with original, contemporaneous documentation, the FCRA requires that the inaccurate information be deleted.

Company response to consumer: Closed with explanation