Consumer complaint received 2025-07-22 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: MN

Complaint narrative:
XXXXXXXX XXXX XXXX is furnishing incorrect credit data to t

he 3 major credit bureaus. I made over {$490.00} in payments to my account, and the correct current balance is {$240.00}. However, the bank is internally reporting a balance of
{$310.00} to both Experian and TransUnion with my limit showing as {$300.00} and a payment of only {$78.00}. 
Even more concerning, Equifax is internally reporting a balance of {$23000.00} with my limit showing as {$300.00} and a payment of only {$78.00}. XXXX is showing my reported balance from both TransUnion and Equifax as {$23.00}, XXXX with a payment of only {$78.00}. Experian is showing my reported balances from both Equifax and TransUnion as {$23000.00} with a payment of only {$78.00}. 

I recently filed disputes with OCC and all 3 credit bureaus already, regarding the inaccurate {$310.00} reported balance. Despite this both Equifax and TransUnion closed my disputes as " updated '', even though the balances are still incorrect. Experian still shows that last dispute as " Pending ''. 
Today, I opened a new dispute with all 3 credit bureaus and OCC ( as well as, this one now with CFPB. ) After having contacted XXXX XXXX XXXX  about this major, I hope unintentional, error that dropped my credit score XXXX points via XXXX. I spoke with a female representative named XXXX at XXXX : I said to her, " Hello XXXX XXXX this is XXXX XXXX XXXX I was just checking my credit score on XXXX and saw that 4 days ago the 3 credit bureaus were reported an inaccurate balance of both {$310.00} and {$23.00}, XXXX and a payment of only {$78.00}. But when I enter my account it shows a balance of {$240.00} and total payments of {$490.00}. I understand that I was last informed that the reporting day is the XXXX of each month, but this was all apparently reported to the bureaus just 4 days ago, so seeing as this is a major error, I expect for an exception to be made and for this error to be fixed today. '' She said, " There is no way that is what is being shown. '' I responded with, " Excuse me ma'am, but I am looking at all 3 credit bureau reports, as well as, on XXXX. What I am telling you is indeed accurate and I would like it to be fixed. '' She replied with, " Well, ma'am as you said, our reporting day is the XXXX of every month so it should be fixed then. Also, what I can do is have you send us a letter showing us the information you are looking at so that we may do an internal investigation. That will take up to 30 days and can all be fixed with the credit bureaus at such time. I can give you that address. '' I replied with, " Okay, so that is all the help you are willing to provide for a resolution? Alright, I will be reporting this to the credit bureaus myself then. I have that address, thank you. I dont need you to provide it for me. Have a nice day! '' Her final response was, " You as well! '' So, just as they did with my last call, I was blown off, and they refused to fix it until the XXXX of the month. Even though they DID make an update with the 3 bureaus 4 days ago ( today is XX/XX/XXXX, so it would have been on XX/XX/XXXX. ) They do not plan on fixing this until the XXXX. So, for the days minimum, I will have that poorly reflecting on my credit score. Otherwise, it could be longer if they do not plan to change it until they get a letter from me showing the inaccurate reporting and do their 30 day investigation... I do not appreciate that bureaucratic run around. 
This error is negatively impacting my credit score and ability to access credit fairly. The banks failure to report accurate data and the continued misinformation from the credit bureaus violate my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation