Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Subject : XXXX XXXX Misreporting During Extension Period Incorrect Late Reporting for XXXX and Missing Data for XXXX and XX/XX/XXXX Complaint Summary : I am filing a complaint against XXXX XXXX for failing to accurately report my payment history following a documented payment extension covering XXXX and XX/XX/XXXX. 

XXXX. XXXX and XXXX Were Covered by an Extension On XX/XX/XXXX, XXXX XXXX approved a payment extension that covered the missed payments for XXXX and XX/XX/XXXX. 
Even though the extension was processed later, industry credit reporting standards and CFPB guidance recognize that extensions apply retroactively to the covered months once approved. 
Once an extension is granted, the months covered ( XXXX and XXXX ) should no longer reflect delinquency they should either show OK, no data, or deferred, not negative or derogatory marks. 

2. XXXX Payment Status Should Reflect Only XXXX Obligation Under fair credit reporting practices, XXXX XXXX payment history must reflect XXXX own payment status, not the status of XX/XX/XXXX or any previous month. 
XXXX obligation was deferred under the extension. Therefore, it is inaccurate and misleading to report XXXX as 30 days late based on another months prior payment history. 

3. Current Inaccurate Reporting XX/XX/XXXX is incorrectly reported as 30 days late, despite being part of the extension. 
XX/XX/XXXX shows no data, but it should be updated to reflect OK or deferred under the same extension. 
XX/XX/XXXX also shows no data, despite the fact that I made the XXXX payment timely. XXXX should reflect OK or paid on time. 

4. Inconsistency with XXXX XXXX Own Standards XXXX XXXX processed a later extension for XX/XX/XXXX and XX/XX/XXXX, and correctly reported both months as OK, with no late marks. 
It is inconsistent and unfair that the earlier extension for XXXX and XX/XX/XXXX is treated differently, despite the same payment relief being applied. 

Bottom Line : XX/XX/XXXX must be corrected to reflect XXXX own payment status showing OK, no data, or deferred, not late based on XXXX activity. 
XX/XX/XXXX should similarly be corrected to OK or deferred based on the extension. 
XX/XX/XXXX should reflect OK or paid on time, in recognition of my timely payment under the extension terms.

Requested Resolution : Remove the 30-day late mark for XX/XX/XXXX. 
Update XX/XX/XXXX to show OK or deferred. 
Update XX/XX/XXXX to show OK or paid on time. 

This reporting failure violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or misleading information. 
FCRA 623 ( a ) ( 2 ) Furnishers must promptly update or correct information they know to be incomplete or inaccurate. 

I respectfully request the CFPB to intervene and ensure XXXX XXXX corrects the reporting for XXXX, XXXX, and XX/XX/XXXX to properly reflect the extension and my actual payment history.

Company response to consumer: Closed with non-monetary relief