Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Equifax is currently reporting derogatory late payment history on accounts that have long been resolved, paid in full, and closed with XXXX balances and no past due amounts. The accounts in question are XXXX XXXX ( Account No. XXXX * *, reported from XX/XX/XXXX through XX/XX/XXXX ) * * and XXXX ( Account No. XXXXXXXX XXXX XXXX, dated XX/XX/XXXX ) * *. Both tradelines are clearly marked as Paid & Closed and reflect XXXX past due amountsyet Equifax continues to associate them with negative payment history, which is both misleading and legally improper under the Fair Credit Reporting Act.

Equifax is required under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure the maximum possible accuracy of the information included in consumer reports. It is completely unreasonable, and a violation of this legal requirement, to continue reporting derogatory information tied to accounts that are no longer active, no longer owed, and pose no current credit risk. Any late payments that may have occurred years ago should not be used as an anchor to suppress my credit standing indefinitely, especially when the accounts have been resolved in full and now reflect XXXX liability. 

I have submitted disputes to Equifax regarding these tradelines and explicitly requested a full reinvestigation into the continued reporting of late payment notations. Instead of a proper response backed by documentation or validation from the original creditors, I received a generic claim that the information was verified without so much as a supporting document, billing history, or formal record to justify the ongoing derogatory status. This canned response does not satisfy the requirements of 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation of any disputed item. Parroting unverifiable data from furnishers without actual proof is not a lawful investigationits a failure of compliance. 

Both XXXX XXXX and XXXX were paid in full and closed years ago. The XXXX XXXX account has had no activity since early XXXX and now shows a {$0.00} balance and zero past due amount. The XXXX account reflects the sameclosed, fully resolved, and carrying no open delinquency. These are not high-risk accounts, and they do not reflect ongoing or unpaid obligations. The presence of late payment notations on these accounts serves no legitimate purpose in modern credit risk evaluation and instead misleads lenders and suppresses scoring models in a way that is fundamentally inaccurate. 

This erroneous reporting has had a significant impact on my credit profile. I have experienced delayed credit approvals, elevated interest rates, and repeated lender questions regarding these entriesdespite the fact that they represent closed, paid accounts with no outstanding balance. Ive done the work to resolve these accounts and fulfill every financial obligation tied to them. Yet I continue to be penalized by outdated and legally questionable reporting practices that Equifax refuses to address, even after formal disputes. The emotional exhaustion that comes from defending yourself over accounts that should be helping your creditnot hurting itis immense. Its unfair, and I will not accept it.

Company response to consumer: Closed with non-monetary relief