Consumer complaint received 2025-05-24 00:00:00
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.
State: MI

Complaint narrative:
unlawful reporting of late payments - Immediate removal Correction demanded To : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Unlawful Reporting of Late Payments - Immediate Correction Demanded Dear XXXX XXXX, XXXX am writing to formally demand the immediate removal of all alleged late payments being reported by XXXX on my credit reports with Equifax, and TransUnion. These entries are not only inaccurate but also in direct violation of multiple federal statutes governing consumer data and privacy. 
According to my records, XXXX has reported late payments to the credit bureaus regarding my student loan account. These entries are damaging my credit profile and affecting my ability to obtain financing, employment, and housing-all of which are protected interests under the law. 
I bring your attention to the following : 1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Furnishers of information such as XXXX have a duty to report only complete and accurate data. Reporting a late payment that is incorrect, misrepresented, or lacking proper notice and due process constitutes a willful violation of the FCRA. You are also obligated to investigate and correct disputed information promptly. 
2. Failure to Abide by Due Process Protections under the Higher Education Act ( HEA ) : Under the XXXX and its implementing regulations, student loan servicers must provide proper notice before reporting delinquencies. I have not received any sufficient notice or opportunity to resolve the alleged issue before derogatory data was submitted to the credit bureaus. 
3. Impact of Data Breaches and Ongoing Investigations : Given the documented data breaches affecting major credit bureaus, continued reporting of disputed information without validating it through authenticated, original documentation constitutes gross negligence and reckless disregard of consumer rights. 
This letter serves as a formal demand that XXXX : - Remove all reported late payments and any related derogatory remarks associated with my account across allcredit reporting agencies ; - Issue a letter confirming deletion of the negative information from my credit file ; - Provide certified documentation of any original contract or agreement where I acknowledged or received fairwarning of delinquency reporting procedures ; - Compensate for any damages caused by these unlawful actions if not corrected immediately. 
If XXXX fails to act within 14 calendar days from receipt of this letter, I will pursue legal remedies for FCRA and XXXX violations, including but not limited to statutory damages, actual damages, attorney 's fees, and punitive damages pursuant to 15 U.S.C. 1681n and 1681o.

A copy of this correspondence will also be submitted to the Consumer Financial Protection Bureau ( CFPB ) and the U.S. Department of Education 's Office of Federal Student Aid for review. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief