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 information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This complaint concerns inaccurate and inconsistent reporting of a XXXX late payment on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) across the XXXX major credit bureausEquifax, Experian, and TransUnion. 

According to Equifax, the account is reported as Pays as Agreed for XX/XX/XXXX, while both Experian and TransUnion report a XXXX late payment for the same month. This inconsistency violates the Metro2 Credit Reporting Resource Guide ( CRRG ) 2024 standards, which explicitly prohibit a Pays as Agreed status from coexisting with a delinquency code for the same reporting period.

This non-uniform reporting has created an unverifiable and inaccurate credit record that directly violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 

Detailed Description Upon reviewing my credit files in XX/XX/XXXX, I discovered that XXXX Mortgage XXXX and the credit bureaus are reporting contradictory information for the same tradeline and month : Equifax : Status Pays as Agreed Experian and TransUnion : Status XXXX Late Payment This discrepancy makes the account factually inconsistent and unverifiable. 
I have never received any billing notice indicating delinquency or late payment. According to 15 U.S. Code 1666 ( b ), subsections ( 4 ) and ( 5 ), the failure to properly reflect payments or credits on a billing statement constitutes a billing error. Furthermore, creditors must provide at least 21 days notice before declaring an account late. No such notice was ever received.

Prior Attempts to Resolve I previously contacted all three credit bureaus regarding this issue through dispute letters dated XX/XX/XXXX, and referenced the following Consumer Financial Protection Bureau ( CFPB ) case numbers : CFPB Case XXXX ( filed XX/XX/XXXX ) CFPB XXXX XXXX ( filed XX/XX/XXXX ) Related Cases : XXXX and XXXX Despite these filings, neither XXXX XXXX  nor the credit bureaus provided verifiable documentation, payment ledgers, or servicing audit logs demonstrating a legitimate late payment event for XX/XX/XXXX. No evidence was produced to justify the derogatory status, and no reinvestigation results were consistent across all bureaus. 

Equifax has already corrected the tradeline to Pays as Agreed, which supports my position that the alleged delinquency was never real. However, Experian and TransUnion continue to report inaccurate XXXX late entries. 

Violations and Applicable Laws This situation reflects multiple violations of consumer protection laws, including : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of information.

FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation after receiving notice of a dispute. 

FCRA XXXX ( b ) Failure of the data furnisher ( XXXX XXXX  XXXX ) to correct inaccurate information after being notified. 

15 U.S. Code 1666 ( b ) ( 4 ) - ( 5 ) Billing error resulting from improper computation or failure to reflect payments.

Additionally, the Metro2 CRRG 2024 mandates consistency between Pay Status and Payment Rating fields. The conflicting data structure across bureaus constitutes a Metro2 structural violation and a willful inaccuracy.

Impact on Consumer These false reports have caused measurable harm to my creditworthiness and have negatively affected my ability to qualify for housing and other credit opportunities. The inconsistent data across the bureaus also creates reputational damage and violates the principle of uniform data furnishing under federal law.

Requested Relief Immediate deletion of the 30-day late mark for XX/XX/XXXX from both Experian and TransUnion. 

Alignment of all bureau reports to reflect Equifaxs Pays as Agreed status.

Written confirmation under FCRA 611 ( a ) ( 6 ) showing corrected Metro2 field values.

If correction is not completed within 30 days, escalation for enforcement action and civil remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ). 

Supporting Documentation Attached are : Dispute letters dated XX/XX/XXXX to Equifax, Experian, and TransUnion. 

Screenshots and tables from all three reports showing the same tradeline reported differently. 

References to prior CFPB case filings demonstrating lack of verification.

Company response to consumer: Closed with non-monetary relief