Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring forward serious concerns regarding inaccuracies and violations of federal consumer protection laws found within my credit file maintained by EQUIFAX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to assure maximum possible accuracy in the information they publish. Unfortunately, EQUIFAX has failed to meet this obligation by continuing to report false and misleading data that damages my creditworthiness. Specifically, XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$130.00}, is being inaccurately reported as having a 30-day late payment in XX/XX/XXXX. This reporting is incorrect and results in the portrayal of a negative payment history that is not accurate. Federal law prohibits the reporting of erroneous, outdated, and unverifiable information, yet EQUIFAX continues to publish this flawed data. Such actions directly violate my rights under the FCRA and related federal statutes. 

Additionally, EQUIFAX is publishing inaccurate late payment information regarding XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX. This account is being displayed with 60-day and 90-day late payments that are not supported by my records or verified as accurate. This misreporting has severely harmed my credit profile and negatively impacts my ability to access fair lending opportunities. The FCRA, under Section 607 ( b ), requires agencies like EQUIFAX to implement and maintain reasonable procedures to ensure accuracy in reporting. By failing to verify and correct these errors, EQUIFAX is in direct violation of federal law and is engaging in negligent, if not willful, noncompliance. The continuation of such harmful inaccuracies demonstrates a reckless disregard for my rights as a consumer. 

Furthermore, several accounts from the DEPARTMENT OF EDUCATION / XXXX, including those ending in XXXX, XXXX, XXXX, and XXXX, are being incorrectly reported with 90-day late payments for XX/XX/XXXX and 120-day late payments for XX/XX/XXXX. These accounts, which were opened between XXXX and XXXX with balances ranging from {$820.00} to {$2500.00}, are now being displayed with severe derogatory remarks that create an inaccurate and misleading profile. Reporting these accounts as closed/120 days late while displaying flawed delinquency dates illustrates a pattern of systemic errors on the part of EQUIFAX. Federal law requires that all information published must be complete, accurate, and verifiable. By reporting otherwise, EQUIFAX is misrepresenting my credit history and violating consumer protection obligations. Such inaccuracies materially harm my financial reputation and opportunities.

EQUIFAX has a legal duty under Section 611 of the FCRA to conduct a proper reinvestigation of any disputed accounts. When an agency continues to report inaccurate information without fully verifying its accuracy, it constitutes a violation of the statute and undermines the integrity of the consumer reporting system. A reinvestigation must be thorough, independent, and result in either the correction or deletion of inaccurate information. By failing to comply with these requirements, EQUIFAX demonstrates willful noncompliance that has caused me measurable harm, including lowered credit scores, higher interest rates, and potential denials of credit. Such conduct can not be tolerated under the standards imposed by federal law.

Company response to consumer: Closed with explanation