Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at 30 days and you have it starting at 90 days late. There are only 28-31 days in a month so how could I be current on payments one month and 90 days late the next month. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.

Company response to consumer: Closed with explanation