Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate reporting on my credit reports regarding specific accounts that reflect late payments inconsistent with my verified payment history. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ), which grants me the right to dispute incomplete or inaccurate information, as well as 607 ( b ) obligating furnishers to maintain procedures ensuring maximum accuracy, and 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of information known, or reasonably expected to be known, to be inaccurate. 
The first account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, shows a balance of {$720.00} and a last payment on XX/XX/XXXX. My credit report incorrectly reflects a 30-day late payment in XX/XX/XXXX. I have maintained consistent, on-time payments for this account, and there is no documentation to support the reported delinquency. The reported late status misrepresents my responsible payment behavior and could negatively affect my creditworthiness. I request that this account be thoroughly reinvestigated under FCRA 611 ( a ) ( 1 ) ( A ), and that any unverifiable late payments be corrected or removed. It is crucial that my account reflects accurate and factual payment history. 
The second account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$280.00}, opened on XX/XX/XXXX, and last payment on XX/XX/XXXX, is similarly reporting a 30-day late payment. I note that this account has already been repaired in Equifax, yet inconsistencies remain on other reporting entities. This misreporting continues to undermine my actual payment history, despite full compliance with the accounts terms. Under FCRA 611 ( a ) ( 5 ) ( A ), I request that the reporting entity conduct a detailed reinvestigation of this account, providing verification of any alleged delinquency. Any unverifiable or inaccurate data must be corrected or updated immediately to reflect my verified payment history accurately. 
The third and fourth accounts, XXXX XXXX XXXX ( Balance : {$210.00}, Opened : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and XXXX XXXX XXXX ( Balance : {$44.00} ), contain reported late payments that are entirely unverifiable. Specifically, XXXX reflects a 30-day late, despite my maintaining on-time payments in accordance with the account terms, and XXXX is incorrectly tied up. These discrepancies are misleading and do not align with any valid documentation of account activity. Pursuant to FCRA 611 ( a ) ( 2 ) ( B ), I request that the bureaus conduct a thorough reinvestigation and correct or remove any information that can not be substantiated, ensuring that my credit report accurately represents my responsible financial behavior. 
Both accounts contain reporting inaccuracies that are not substantiated by any valid record. The errors distort my credit profile and are inconsistent with the documentation I maintain for each account. Pursuant to FCRA 611 ( a ) ( 2 ) ( B ), I request written confirmation of the results of these reinvestigations, including the methods used to verify the accuracy of each disputed entry and an updated copy of my credit report reflecting any necessary corrections. Ensuring the integrity and accuracy of my credit file is essential to maintaining my financial reputation and complying with federal law.

Company response to consumer: Closed with explanation