Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting furnished by XXXX on multiple student loan accounts appearing on my consumer credit reports. Despite the Fair Credit Reporting Acts requirement that furnishers report information accurately and conduct reasonable investigations, these accounts continue to reflect late payment histories that are not correct.

I have reviewed my credit reports and identified repeated inaccuracies related specifically to late payment reporting. I am not disputing the existence of these accounts. I am disputing only the accuracy of the late payment history being reported.

The following accounts are reporting inaccurate late payment information : XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Issue : Late Payment Reporting This account is reporting late payments that are inaccurate and not consistent with my actual payment history. I did not make late payments as reported. The payment history being furnished is incorrect and does not meet the accuracy standards required under the FCRA. Please conduct a full investigation and correct the late payment history to accurately reflect on-time payments where applicable. No deletion is requested, only correction of the inaccurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} Issue : Late Payment Reporting The late payment information reported on this account is inaccurate. My records do not support the delinquency history being reported. Under federal law, furnishers are required to report complete and accurate information. I am requesting that the late payment history be reviewed, verified, and corrected accordingly. This dispute is limited to the inaccurate payment history only. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Issue : Late Payment Reporting This account reflects late payments that are not accurate. The reporting does not align with my actual account activity. Please investigate this matter thoroughly and update the payment history to remove any inaccurately reported late payments. I am not disputing the existence of the account, only the incorrect payment history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Issue : Late Payment Reporting Late payments are being reported on this account in error. In accordance with the Fair Credit Reporting Act, inaccurate information must be corrected or updated. I am requesting correction of the payment history to reflect accurate reporting after proper verification. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Issue : Late Payment Reporting The late payment status associated with this account is inaccurate. I did not have late payments as reported. Please investigate and correct the payment history to ensure compliance with federal accuracy requirements. No request for deletion is being made. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$960.00} Issue : Late Payment Reporting This account contains inaccurately reported late payments. The information being furnished is incorrect and must be corrected following a reasonable investigation. I am requesting an update to the payment history only, not removal of the account. 
I have previously disputed these inaccuracies, yet the incorrect late payment information remains. Under 15 U.S.C. 1681s-2 ( b ), XXXX is required to conduct a reasonable investigation and correct any information that can not be verified as accurate. 
I am requesting that the CFPB review this matter and require XXXX to correct the inaccurate late payment history on all affected accounts and update all consumer reporting agencies accordingly. This complaint does not request deletion of the accounts, only correction of inaccurate payment history. 
Thank you for your assistance in ensuring compliance with federal consumer reporting laws.

Company response to consumer: Closed with explanation