Consumer complaint received 2026-03-06 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: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting associated with my XXXX XXXX XXXX secured installment loan account. The account has been fully paid, closed, and currently reflects a {$0.00} balance, yet the credit reporting agencies continue to report late payment history that is inconsistent with the true status of the account. The account details are as follows : XXXX XXXX XXXX Secured Loan Account Number : XXXX ( Equifax / Experian ) Account Number : XXXX ( TransUnion ) High Credit : {$3000.00} Balance : {$0.00} Account Status : Closed According to my credit report documentation, the account is clearly reported as closed with a XXXX balance and a current payment status, yet the payment history continues to reflect a 30-day late payment which contradicts the actual status of the account. An account that is paid, closed, and current should not simultaneously reflect delinquency without verifiable documentation supporting that reporting. This creates internally inconsistent and misleading information on my credit report, which negatively affects my creditworthiness and financial reputation. I have previously disputed this issue directly with the credit reporting agencies. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Despite submitting disputes and providing supporting documentation, the inaccurate late payment reporting has remained. Additionally, the Fair Credit Reporting Act requires credit reporting agencies to follow procedures that ensure maximum possible accuracy of information contained within consumer credit reports under 15 U.S.C. 1681e ( b ). Reporting late payments on an account that is paid in full and closed is misleading and fails to meet this accuracy requirement. The continued reporting of this inaccurate late payment history after notice also raises concerns of negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o, particularly if the credit bureaus did not properly verify the information with the data furnisher before maintaining the derogatory reporting. This inaccurate reporting has caused harm to my credit profile by falsely suggesting that I failed to meet my payment obligations, despite the fact that the account was satisfied and closed. Payment history is one of the most heavily weighted factors in credit scoring models, and even a single inaccurate late payment can significantly impact a consumers credit score. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the credit reporting agencies to : Conduct a proper and documented reinvestigation of the XXXX XXXX XXXX account. Verify the accuracy of the reported late payment history with the data furnisher. If the late payment can not be verified with proper documentation, update the account reporting to reflect Paid as Agreed with no derogatory payment history. Ensure the account reporting accurately reflects its true status as paid, closed, and paid as agreed with a {$0.00} balance. Consumers have the right to an accurate credit report, and the current reporting does not meet the legal accuracy standards required under federal law.

Company response to consumer: Closed with non-monetary relief