Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Subject : Notice of Dispute Regarding Payment Discrepancy/ Completeness and accuracy of my credit report Reinvestigation XXXX Account # XXXX I am writing to formally dispute a claim made by XXXX XXXXXXXX XXXX regarding a late payment on my account After a thorough review of my records, I believe that there has been an error in the determination of the payment date. Furthermore you are reporting inaccurate information on my consumer report. XXXX is reporting inaccurate information on my consumer report. 

This dispute is grounded in part on the principles established in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX XXXX XXXX ), where the court highlighted the necessity for financial institutions to maintain accurate records and provide clear evidence when disputing payment timelines. 

Furthermore, under 15 U.S. Code 1666b ( a ), " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose ... '' Given this legal framework, I request that you provide me with all internal records that demonstrate the exact date and time when my payment was received and processed by your institution. This includes, but is not limited to, transaction logs, electronic records, and any related correspondence or documentation. 

Please note that under applicable laws and regulations, including the Truth in Lending Act, you are required to provide accurate and timely information regarding this dispute. Failure to do so may result in further action, including but not limited to formal complaints to regulatory bodies and potential legal action. 

I expect a response to this notice within [ reasonable timeframe, e.g., 30 days ] from the date of this letter. Please send all requested documents to the address provided above. 

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue. 

please remove account from my report, you have caused damage to my credit report and I will bring legal action against you. 




15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.