Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for negligent and inaccurate credit reporting, failure to properly investigate disputes, and multiple violations of the Fair Credit Reporting Act ( FCRA ), which have resulted in unfair damage to my credit score. 

Despite multiple disputes, Equifax has : 1. Reported an invalid 60-day late payment for XX/XX/XXXX, which is procedurally impossible and unverifiable. 
2. Failed to account for payments I made, leading to an inaccurate past-due balance in XX/XX/XXXX. 
3. Refused to provide factual evidence proving that a legitimate reinvestigation was conducted. 
4. Caused a XXXX point drop in my credit score based on this inaccurate reporting, harming my financial standing. 

Under the FCRA, Equifax is legally required to ensure accurate credit reporting, conduct reasonable dispute investigations, and provide verification of disputed data upon request. They have failed to meet all of these obligations. 

Company Involved : Equifax Information Services LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Disputed Account Information : Creditor : XXXX XXXXXXXX XXXX Account Number ( Last 4 Digits ) : XXXX Dispute Confirmation Numbers : XX/XX/XXXX Confirmation XXXX XXXX XX/XX/XXXX Confirmation XXXX XXXXXXXX XX/XX/XXXX Confirmation XXXX XXXXXXXX Detailed Description of the Issue : 1. Procedurally Impossible 60-Day Late Payment for XX/XX/XXXX Equifax is reporting a 60-day late payment for XX/XX/XXXX, but this is factually impossible and procedurally invalid based on their own records : There is no preceding 30-day late mark for XX/XX/XXXX, which is required before escalating to a 60-day late mark. 
My payment history reflects consistent payments leading up to XX/XX/XXXX, yet Equifax skipped the 30-day late reporting and directly marked the account 60 days delinquent. 
Equifax has failed to provide any documented proof that this late payment actually occurred, despite multiple disputes. 

Why Equifaxs Reporting is Invalid : A 60-day late payment can not exist unless a 30-day late payment was recorded first. 
Balance inconsistencies suggest misapplied payments, further invalidating their delinquency claim. 
Equifax has not provided a verifiable record proving this late payment, violating the FCRA. 

FCRA Violations : FCRA 1681e ( b ) Credit bureaus must ensure accuracy in credit reporting.

FCRA 1681i ( a ) ( 5 ) ( A ) If Equifax can not verify
a dispute with factual evidence, it must be removed.

FCRA 1681s-2 ( a ) ( 1 ) ( B ) Credit furnishers must correct or delete false data.

Requested Resolution : Equifax must remove the false 60-day late payment for XX/XX/XXXX unless they can produce factual, verifiable documentation proving its validity. 

2. Inaccurate Past Due Balance in XX/XX/XXXX Equifax is reporting a past due balance of {$17000.00} for XX/XX/XXXX, even though : A payment was made on XX/XX/XXXX, which should have brought the account current. 
A third-party payoff check was received by XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, yet Equifax still reported a past-due amount. 
The balance increased illogically between XXXX and XXXX, despite payments being made, suggesting that some payments were not properly accounted for. 

FCRA Violations : FCRA 1681e ( b ) Duty to ensure accuracy in balance reporting.

FCRA 1681s-2 ( a ) ( 1 ) ( B ) Credit bureaus must correct incorrect balances when notified. 

Requested Resolution : Remove the past due balance for XX/XX/XXXX. 
Correct the payment and balance history to reflect actual payments made.

3. Equifaxs Failure to Provide Dispute Investigation Details Despite multiple disputes, Equifax has failed to provide proof that they conducted a legitimate reinvestigation. 
They have not provided documentation showing how they verified the accuracy of the reported late payment. 
They have not disclosed whether they contacted XXXX XXXX XXXX for verification.

They failed to consider the mathematical impossibility of the reported delinquency.

FCRA Violations : FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Right to receive verification details upon request.

FCRA 1681i ( a ) ( 7 ) Credit bureaus must provide dispute reinvestigation records.

Requested Resolution : Provide a full written report of the reinvestigation process. 
If Equifax can not provide this, they must remove the disputed items immediately.

4. Unfair Credit Score Drop Due to Inaccurate Reporting Due to Equifaxs negligence and failure to correct these errors, my credit score dropped by over XXXX points, despite the following facts : I have never missed a payment on any account before this false reporting. 
Payments for XXXX and XXXX were made, but not properly accounted for. 
The account was paid off in full, yet Equifax continued to report delinquency. 

This has caused significant financial harm, making it harder for me to secure credit at fair interest rates. 

FCRA Violations : FCRA 1681e ( b ) Duty to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) Credit bureaus must conduct a reasonable reinvestigation upon dispute.

Requested Resolution : Restore my credit score to accurately reflect the removal of these errors. 

Summary of Requested Resolutions : 1. Remove the false 60-day late payment for XX/XX/XXXX unless verifiable proof is provided. 
2. Remove the incorrect past due balance for XX/XX/XXXX. 
3. Provide full documentation of Equifaxs dispute investigation process. 
4. Ensure my credit score is restored to reflect the removal of these errors. 

Supporting Evidence : Equifax XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Screenshots of credit report discrepancies Payment history inconsistencies showing misapplied payments Correspondence confirming XXXX XXXXXXXX XXXX receipt of the payoff check Conclusion : Equifax has engaged in clear violations of federal law by reporting mathematically impossible late payments, failing to update account balances accurately, and refusing to conduct a proper investigation. 

These errors have severely and unfairly damaged my credit score, which has impacted my ability to obtain credit on fair terms. 

If Equifax does not immediately correct these inaccuracies, I will pursue further legal action under the Fair Credit Reporting Act and seek damages for willful non-compliance.

Company response to consumer: Closed with explanation