Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting to continue my formal dispute regarding multiple late open accounts that Equifax, TransUnion and Experian is currently reporting inaccurately. After conducting another detailed review of my credit file, I discovered ongoing inconsistencies, incomplete payment data, and reporting patterns that contradict both my personal records and the requirements of the Fair Credit Reporting Act ( FCRA ). This correspondence serves as a second-round dispute under FCRA 607 ( b ), 611 ( a ), 609 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( A ), which mandate that all information reported must be accurate, complete, verifiable, and corrected when shown to contain errors. Because the inaccuracies in the accounts listed below materially misrepresent my creditworthiness, I am requesting a full reinvestigation and that all reporting be updated accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} Date XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8100.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4900.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6700.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} Date XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief