Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
I am filing this complaint because several credit bureaus ( Equifax, Experian, and TransUnion ) and furnishers have reported false late payment information across multiple accounts. These inaccuracies have damaged my creditworthiness and caused financial harm. Despite prior disputes, the reporting agencies have failed to investigate or correct errors in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX data reporting standards. 

1. Accounts in Dispute XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as Open and Current while simultaneously showing 30- and 60-day late payments in the same reporting cycle. This violates FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( a ) ( reasonable reinvestigation ).

No billing statements or transaction proof were ever provided. Reinserting unverified data also breaches 1681i ( a ) ( 5 ) ( B ) and 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported inconsistently as 120, 180, and 120 days late across the three bureaus for the same period. No original statements or payment ledgers were provided. This violates FCRA 1681e ( b ) for accuracy and 1681i ( a ) ( 5 ) ( B ) for re-insertion of unverifiable data. 

XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reported as Open and Current while showing a 30-day delinquency in the same cycle. No documentation verifying the alleged late payment has been produced. This contradicts XXXX standards and violates 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as Current but includes a 30-day late mark for the same reporting period. The furnisher failed to verify or substantiate the alleged late payment. This is a clear violation of FCRA 1681e ( b ) and 1681i ( a ) ( 5 ). 

XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Listed as Open, Current, and with a {$0.00} balance, yet TransUnion shows a 30-day late payment in XX/XX/year>. This contradiction violates XXXX guidelines and FCRA 1681i ( a ) ( 5 ) ( B ). 

2. XXXX XXXX Concerns Equifax and Experian were both subject to XXXX XXXX breaches, as confirmed in the Equifax Data Breach Settlement notice ( included on page 3 of the documentation ). This raises major concerns about the integrity of their reinvestigation processes and the reliability of their data handling.

The recurring pattern of contradictory, unverifiable, and reinstituted derogatory data across bureaus suggests systemic negligence and willful noncompliance. The re-reporting of unverified late payments after disputes were marked resolved demonstrates reckless disregard for consumer rights.

3. Requested Resolution I am requesting the CFPBs assistance in ensuring that : Each of the above-listed tradelines be corrected to Pays as Agreed with all late-payment indicators permanently removed.

The credit bureaus provide documented proof of validation for any reported late payments, including original statements, timestamped transaction records, and account ledgers.

Any unverifiable or contradictory data be deleted immediately per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

The furnishers and bureaus be held accountable for repeated violations and non-compliant reinvestigations.

4. Supporting Documentation Attached are : Copies of my credit reports and dispute letters showing the inaccuracies.

Proof of Equifax data breach involvement ( page 3 of the record ).

Identification for verification purposes only, pursuant to 16 CFR 682.3, with instruction to purge after identity confirmation.

Statement of Harm These false delinquencies have directly impacted my credit reputation, caused emotional XXXX, and led to unfair denials and higher interest rates. Despite multiple formal disputes, the furnishers and bureaus continue to report erroneous data, violating my rights under federal law.

Company response to consumer: Closed with non-monetary relief