Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX D.O.B XX/XX/XXXXXXXX XXXX FORMAL COMPLAINT FALSE LATE PAYMENT REPORTING ON CLOSED ACCOUNT LEGAL VIOLATION OF FCRA 1681i, 1681s-2, AND METRO 2 COMPLIANCE STANDARDS To Whom It May Concern : I am filing this formal complaint with the Consumer Financial Protection Bureau regarding inaccurate, misleading , and damaging credit reporting that violates federal law. Despite multiple previous disputes submitted to both the credit bureaus and the original furnisher, the issue remains unresolved, and is now severely impacting my credit profile and financial opportunities.

THE ISSUE : FALSE LATE PAYMENTS ON A CLOSED, PAID-IN-FULL ACCOUNT The account in question is reporting late payments on a closed account that is marked paid in full despite having a solid, on-time payment history prior to closure. This is not only factually inaccurate, but misleading, and violates several sections of the Fair Credit Reporting Act ( FCRA ), federal data standards, and CFPB guidance. 

Account Details : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Closed : [ XX/XX/XXXX ] Reported Status : Closed / Paid in Full Disputed Item : Late payment ( s ) Account Details : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Closed : [ XX/XX/XXXX ] Reported Status : Closed / Paid in Full Disputed Item : Late payment ( s ) GROUNDS FOR LEGAL DISPUTE VIOLATIONS OF FEDERAL LAW 1. FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy. Reporting a late payment after the account is closed and paid in full directly contradicts this provision. 
2. FCRA 611 15 U.S.C. 1681i ( a ) : I have formally disputed this information, and the agencies failed to provide verified documentation of the late payment. They must delete unverifiable or incorrect information within 30 calendar days.

3. FCRA 623 15 U.S.C. 1681s-2 ( b ) : The furnisher of information is legally obligated to conduct a reasonable investigation and correct or delete any information found to be inaccurate or incomplete. Their continued reporting of this account as delinquent after dispute violates this law.

4. Metro 2 Format ( CDIA Guidelines ) : When an account is paid in full and closed, it must be reported with Status Code 13 or similar meaning no further delinquencies may be reported post-closure. Failure to update the payment history accurately is non-compliant with Metro 2.

5. FCRA 1681n & 1681o Civil Liability : I reserve the right to seek legal remedy for willful and/or negligent noncompliance with federal reporting obligations. 

THIS IS MY THIRD ATTEMPT TO RESOLVE THIS ISSUE Despite prior formal disputes and detailed explanations, neither the data furnisher nor the credit bureaus have provided evidence of accuracy or corrected the account. This continued inaction is having real-world financial consequences, including damage to my credit score, increased interest rates, and denied credit opportunities.

This is a clear and ongoing violation of my rights under the FCRA, and I am now formally requesting CFPB intervention.

RESOLUTION REQUESTED I am demanding the following resolution : 1. Immediate removal of all reported late payments from this account ; 2. Account must reflect Closed/ Paid in Full / Never Late ; 3. Written confirmation of correction provided to me ; 4. Explanation of why my previous disputes were denied, and what documentation ( if any ) was relied upon.

I respectfully request the CFPB compel the furnisher and credit reporting agencies to comply with federal law, delete the inaccurate information, and correct my consumer credit file immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief