Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
While reviewing and comparing my credit report, I noticed that there are instances where late payments are being reported unverified, inconsistently and materially misleading, I need this information investigated and verified to make sure that my rights are not being violated under the following FCRA XXXX XXXX. I am highly concerned that the XXXX XXXX agent has failed at regulating consumer law and furnishing the proper information. 

The following accounts are showing inconsistent information Creditor Name : XXXX XXXX XXXX  Account : XXXX Open Date : XX/XX/XXXX -Reports from XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 

-Reports from Equifax XXXX 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 

Creditor  Name : XXXX XXXX XXXX XXXXXXXX. 
Open Date : XX/XX/XXXX XXXX from XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
- Reports from Equifax. 
XXXX  days late XX/XX/XXXX. 
XXXX days late XXXX XXXX days late XXXX XXXX days late XXXX XXXX 
- Reports from XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 

Creditor : XXXX XXXX XXXX Account : XXXX Open Date : XX/XX/XXXX -Reports from XXXX  XXXX 
XXXX  days late XX/XX/XXXX. 
XXXX days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
No data in XX/XX/XXXX. 

-Reports from XXXX  XXXX on time XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 

-Reports from Equifax XXXX 
OK on time XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 

Creditor Name : XXXX XXXX Account : XXXX Open Date : XX/XX/XXXX -Reports from XXXX  XXXX days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
XXXX days late XX/XX/XXXX. 
XXXX days late XX/XX/XXXX. 
XXXX  days late XX/XX/XXXX. 
No XXXX XX/XX/XXXX -Reports from Equifax XXXX 
OK on time XX/XX/XXXX. 
OK on time XX/XX/XXXX. 
OK on time XX/XX/XXXX. 
OK on time XX/XX/XXXX. 
XXXX days late XX/XX/XXXX. 
XXXX days late XX/XX/XXXX - Failure to Report with Maximum Possible Accuracy XXXX XXXX. XXXX ( b ) The FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The late payment notations in question are unverified, inconsistent, and materially misleading, which fails this legal standard. 

- Duty to Investigate and Correct Inaccuracies XXXX XXXX. XXXX ( a ) Upon receipt of this dispute, you are required to conduct a reasonable reinvestigation. You must also provide me with : XXXX from the original creditor, with supporting documentation, proving the validity and accuracy of each late payment reported. 
The method and source of verification, as required under XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 
If you can not provide competent evidence, the disputed notations must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Be Inaccurate XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Furnishers of information are prohibited from reporting information they know, or reasonably should know, is inaccurate. If a creditor or debt collector has reported past-due payment data that is inconsistent with their own internal records, or unsupported by original account-level documentation, then the reporting is unlawful. 

- XXXX XXXX FDCPA, XXXX XXXX. XXXX & XXXX If a debt collector is furnishing this inaccurate data, they are prohibited from making false representations about the character or legal status of a debt and from using unfair means to damage a consumers credit profile. Continued reporting of these inaccurate late payment notations constitutes an FDCPA violation in addition to FCRA violations. 

I have attached proof to support my claim

Company response to consumer: Closed with non-monetary relief