Consumer complaint received 2025-09-08 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: MA

Complaint narrative:
I am formally disputing the above-referenced account based on multiple factual inaccuracies and logical impossibilities in the reporting : XXXX. IMPOSSIBLE TIMELINE - LATE PAYMENTS ON SAME-MONTH ACCOUNT Dispute : The account shows a " Date of First Delinquency '' of XX/XX/year>, yet the account was opened on XX/XX/year>, and shows only 10 months reviewed with current status as " PAID_AND_CLOSED. '' Issue : It is factually impossible for an account to become delinquent within 45 days of opening when the account was paid and closed in such a short timeframe. This timeline defies standard billing cycles and payment processing procedures. 
XXXX. CONTRADICTORY ACCOUNT STATUS Dispute : The account simultaneously shows : Account Status : " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE '' Activity Designator : " PAID_AND_CLOSED '' Balance : {$0.00} Available Credit : {$300.00} ( full credit limit ) Issue : An account can not be both past due AND paid and closed with a XXXX balance. These statuses are mutually exclusive. 
XXXX. VERIFIED CORRECTION BY XXXX Supporting Evidence : XXXX has already investigated this identical account and corrected the erroneous information, confirming that the negative reporting was inaccurate. This demonstrates that the information on your bureau is factually incorrect and inconsistent with verified credit data. 
XXXX. MISSING CRITICAL DATES Dispute : The " Date of Last Activity '' field shows as blank ( " - '' ), making it impossible to verify the accuracy of any payment history or account closure timeline. 
XXXX. POTENTIAL FURNISHER ERROR Issue : The creditor appears to have furnished contradictory data that creates an impossible scenario where an account is simultaneously delinquent and satisfactorily closed. 

REQUESTED ACTION Based on the Federal Fair Credit Reporting Act ( FCRA ), I request that you : IMMEDIATELY REMOVE all negative payment history associated with this account CORRECT the account status to reflect accurate payment history UPDATE the reporting to show " PAID AS AGREED '' or remove the account entirely if it can not be verified as accurate ALIGN your reporting with XXXX XXXX  corrected version of this account INVESTIGATE with the furnisher to prevent future inaccurate reporting LEGAL BASIS Under 15 U.S.C. 1681i, you are required to investigate disputed information and remove any information that can not be verified as accurate. The logical impossibilities in this account 's timeline demonstrate that the information can not be accurate and must be corrected or removed. 
XXXX had my account investigated deemed accurate & true & then changed it because it wasnt accurate DOCUMENTATION REQUEST Please provide : Complete investigation results Updated credit report showing corrections Written confirmation of changes made I expect this matter to be resolved within 30 days as required by federal law. Please send all correspondence to the address listed above.

Company response to consumer: Closed with explanation