Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : False Late Payment Reporting, Willful Noncompliance, and Unlawful Delay of Investigation by Experian, Equifax, and TransUnion I am filing this complaint because all three credit bureaus Experian, Equifax, and TransUnion have continued to report false late payments on my XXXX XXXX account # XXXX, despite multiple formal disputes and supporting documentation proving that the account was paid on time and has maintained a {$0.00} balance since closure.

My disputes were submitted under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), and I have provided identity verification, billing history, and written confirmations from XXXX. The bureaus have ignored or delayed reinvestigation responses and continue to publish unverifiable derogatory data, violating both federal law and Metro 2 XXXX  reporting standards. 

XXXX. XXXX XXXX Account # XXXX The XXXX tradeline still reflects 90- and 120-day late payment codes on an open account with a {$0.00} balance, which is impossible under Metro 2 formatting rules .

Equifax, Experian, and TransUnion each list different payment histories ( Equifax : 30:1 60:1 90:5 ; Experian : 30:1 60:1 90:7 ; TransUnion : 30:0 60:0 90:6 ).

All three show an Open account status with Current payment designation, yet still include derogatory XXXX lates data that should have aged off under 1681c ( a ) ( 4 ) after 24 months of inactivity.

These contradictions violate : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) failure to conduct a lawful reinvestigation FCRA 1681s-2 ( b ) failure of the furnisher to correct inaccurate information Metro 2 XXXX  3-4 inconsistent coding of BS-17A ( Account Status ) and BS-17B ( Payment Status ) fields This XXXX  account was already addressed in CFPB Case # XXXX, where TransUnion and Experian were instructed to correct unverifiable derogatory data from the same period. Their continued publication of the same false delinquencies constitutes willful noncompliance under 1681n.

2. Pattern of Bureau Misconduct and Delay Each bureau has either ignored my prior disputes or issued identical form-letter rejections without investigation. On page 1 of my Legal Notice Unlawful Delay of Dispute Investigation, I specifically warned all bureaus that refusing to process disputes based on perceived third-party involvement violates FCRA 1681i and 1681n.

Despite that notice, the bureaus : Failed to initiate or complete reinvestigations within 30 days, as mandated by 1681i ( a ) ( 1 ).

Ignored my documented proof of full payment and {$0.00} balance.

Continued to publish obsolete late-payment data tied to the Equifax Data Breach , which has compromised the integrity of my file ( see breach confirmation on page 1 ).

This coordinated inaction meets the definition of willful noncompliance and negligent handling under 1681n and 1681o, causing measurable harm to my credit profile.

3. Harm and Impact Because of these false late-payment entries, I have been : Denied new credit opportunities and affordable refinancing.

Assessed higher interest rates due to lowered credit scores.

Subjected to emotional distress and reputational damage despite being fully compliant with all financial obligations.

The ongoing publication of unverifiable data also exposes me to identity-related risk due to my confirmed Equifax Data Breach impact .

Company response to consumer: Closed with non-monetary relief