Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Demand for Deletion of Inaccurate Account Information Pursuant to 15 U.S.C. 1666b and 1637 ( b ) To Whom It May Concern, I am formally disputing the reporting of the following transaction and demanding its removal from my Equifax consumer report under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, and the disclosure requirements outlined in 15 U.S.C. 1637 ( b ). 

Disputed Account Information : Creditor : XXXX Account Number : XXXX Date of Reported Transaction : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Report Transaction : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Under 15 U.S.C. 1666b ( b ), a creditor may not treat a payment as late for reporting or penalty purposes unless the required billing statementincluding all disclosures mandated by 15 U.S.C. 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. In this case, I did not receive the necessary disclosures within the required timeframe, thereby making the creditors report of delinquency unlawful. 

The courts have consistently recognized the importance of proper billing disclosures and timely notice. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court held that creditors must strictly comply with disclosure obligations under the Truth in Lending Act ( TILA ) and its related provisions. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) emphasized that failure to provide accurate and timely billing information prevents creditors from lawfully enforcing delinquency claims. Additionally, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the court reinforced that inaccurate or incomplete reporting of consumer obligations violates the Fair Credit Reporting Act when tied to noncompliance with disclosure requirements. 

Because the creditor failed to provide the billing statement with all required disclosures at least 21 days prior to the due date, as required by 15 U.S.C. 1666b, the reported delinquency is invalid and must not remain on my consumer report. Continued reporting constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), entitling me to remedies under 15 U.S.C. 1681n and 1681o. 

I demand that Equifax immediately delete this transaction from my consumer report and provide written confirmation of the reinvestigation results within the statutory time frame. If Equifax fails to comply, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action.

Company response to consumer: Closed with non-monetary relief