Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies appearing on my credit file regarding several accounts that are either reported with unverifiable late payments or inconsistencies with my verified payment history. The first account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$62000.00}, opened on XX/XX/XXXX, with the last activity recorded on XX/XX/XXXX and a last payment on XX/XX/XXXX. This account allegedly reflects 30-day late payments in XXXX and XX/XX/XXXX ; however, these delinquencies are inconsistent with my verified payment records and were previously repaired in Experian. I have maintained timely and accurate payments according to the terms of this account, and there is no credible documentation that supports the reported late activity. Under FCRA 611 ( a ) ( 1 ) ( A ), I am requesting a reinvestigation of this account, and if the late entries can not be substantiated, they must be corrected or deleted promptly. 
The second group of accounts includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing a balance of {$470.00}, opened on XX/XX/XXXX, with a last activity date of XX/XX/XXXX and a last payment of XX/XX/XXXX. This account previously had reported late activity that has already been repaired in TransUnion. Similarly, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1300.00} opened on XX/XX/XXXX, shows a reported XXXX late payment in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00} opened on XX/XX/XXXX, shows a 30-day late in XX/XX/XXXX. All of these late payments are inconsistent with my verified payment history. I have consistently made full and timely payments, and these errors misrepresent my creditworthiness. As required under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), furnishers must report accurate and verifiable information. I request that these discrepancies be fully investigated, and any unverifiable late entries be updated to reflect my true payment history. 
Finally, the XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, with a balance of {$13000.00}, opened on XX/XX/XXXX, shows a last activity date of XX/XX/XXXX, with a last payment of XX/XX/XXXX. This account allegedly reports multiple late payments in XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reported delinquencies are inconsistent with my payment history and are unsupported by any billing statements or verifiable records. Reporting these inaccuracies constitutes a violation of FCRA 611 ( a ) ( 1 ) ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), which obligate furnishers to maintain procedures ensuring maximum possible accuracy. I request a thorough reinvestigation and an immediate correction or removal of all unverifiable or inaccurate late payments. I also request a written summary of the reinvestigation results, the method used to verify the disputed information, and an updated credit report reflecting these corrections.

Company response to consumer: Closed with non-monetary relief