Consumer complaint received 2025-12-14 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: MS

Complaint narrative:
Thanks for sharing your XXXX account details. Lets analyze the reporting and identify the issues that could be disputed : -- - # # # * * Account Overview * * * * * Type : * * Revolving / Credit Card * * * Status : * * Closed * * * Balance : * * {$200.00} * * * Credit Limit / High Credit : * * {$300.00} ( XXXX XXXX XXXX  ), {$0.00} / {$300.00} ( Equifax ) * * * Past Due : * * {$75.00} * * * Payment Status : * * Late 120150 Days * * * Last Reported : * * XXXX * * * Date Last Active : * * XXXX * * * Date of Last Payment : * * XXXX -- - # # # * * Observations/ Discrepancies * * XXXX. * * Credit Limit / High Credit Differences : * * * Equifax shows a {$0.00} credit limit but {$300.00} high credit. 
* XXXX XXXX XXXX  correctly show {$300.00} credit limit. 
This is a clear discrepancy that can be disputed with Equifax. 

XXXX. * * Payment Status Reporting Differences : * * * XXXX  : Late 120 days * XXXX : Late 150 days * Equifax : Late 120 days Inconsistencies in late days could affect your credit score. 

XXXX. * * Date Last Active / Date of Last Payment Differences : * * * Equifax shows last active XX/XX/year> vs. XXXX XXXXXX/XX/year> and XXXX XXXXXX/XX/year> * Last payment differs ( Equifax XX/XX/year> vs. XX/XX/year> ) These differences may affect account aging, delinquency reporting, and your score. 

XXXX. * * Balance / Past Due : * * * All report {$200.00} balan * * Subject : * * CFPB Complaint Inaccurate Reporting for XXXX XXXX * Name : XXXX XXXX * Email : XXXX * Date of XXXX * * Company Information : * * * CreditoXXXX XXXX XXXX XXXX  Account # : XXXX * * * * * Credit Bureaus Reporting XXXX XXXX XXXX, Equifax XXXX - * * Complaint / Dispute : * * I am submitting a dispute regarding my XXXX  account reporting on my credit reports. Upon review, I found the following inaccuracies : 1. * * Credit Limit / High Credit Reporting : * * * Equifax reports a {$0.00} credit limit while XXXX XXXX XXXX report {$300.00}. 
* The correct credit limit should be * * {$300.00} * *. 

XXXX. * * Payment Status / Late Days Discrepancy : * * * XXXX reports late 120 days, XXXX 150 days, Equifax 120 days. 
* I request verification and correction to reflect accurate delinquency information. 

XXXX. * * Date Last Active / Date of Last Payment : * * * Dates differ across bureaus ( Equifax shows last active XX/XX/year> XXXX XXXX XX/XX/year> and XXXX XXXXXX/XX/year> ; last payment Equifax XX/XX/year> vs XX/XX/year> on XXXX & XXXX XXXX 
* I request all bureaus correct the last active date and last payment date to accurately reflect my account history. 

* * Requested Resolution : * * * Correct Equifax credit limit to {$300.00}. 
* Ensure accurate late days and payment history across all bureaus. 
* Verify account reporting consistency and provide a written response. 

I have attached supporting documentation, including statements showing the correct credit limit, payment history, and account status. 

Thank you for your prompt attention to this matter. 

* * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with explanation