Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
Equifax has repeatedly failed to investigate and correct inaccurate late payment reporting on my XXXXXXXX XXXX account ending in XXXX ( also referenced as XXXX ). Despite multiple dispute attempts and exceeding the mandated timeframes under the Fair Credit Reporting Act ( FCRA ), this erroneous information continues to be reported, causing me harm and adversely impacting my creditworthiness. 





Timeline of Disputes and Equifax 's Failures : XX/XX/XXXX, and XX/XX/XXXX : Initial disputes sent to Equifax regarding two incorrectly reported late payments on my XXXXXXXX XXXX ending in XXXX. 


XX/XX/XXXX : I wrote to XXXX XXXX, XXXX of Equifax, stating that the FCRA 's 30-day investigation timeframe had been significantly exceeded and urged immediate correction. 

XX/XX/XXXX : I sent another dispute letter specifically referencing 15 U.S.C. 1666b, stating that I had not received consistent statements and therefore the late payment should be removed. 

XX/XX/XXXX : Equifax sent a letter ( Confirmation # XXXX ) stating that the account had been " UPDATED '' and " ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, the late payments were not removed, and the report still showed historical information that was inaccurate. 


XX/XX/XXXX : I sent a formal demand letter citing FCRA XXXX XXXX, emphasizing that the previous investigation failed to comply with FCRA requirements by not conducting a reasonable investigation, exceeding the 30-day timeframe, and failing to provide an adequate response. I demanded immediate removal of the inaccurate information and a thorough reinvestigation, including confirmation of contact with XXXX and evidence reviewed. 


XX/XX/XXXX : I sent a letter to Equifax, attention XXXX XXXX ( CEO ), formally disputing the erroneous payment history again, referencing 15 USC 1681i, 15 USC 1666, and 15 USC 1681s-2 ( A ). I noted that the 30-day deadline for the XX/XX/XXXX, dispute had passed. I also stated that I had previously provided identity verification as requested. 




XX/XX/XXXX : I sent a formal escalation letter to Equifax 's Consumer Dispute Resolution Department, noting that I had not received any response to my XX/XX/XXXX, dispute ( likely a typo, intended for XXXX ) and that this lack of response was a direct violation of the FCRA. I also mentioned contacting customer service on XX/XX/XXXX, to inquire about the missing response and being disconnected. I formally requested immediate removal of the inaccurate late payment reporting. 




XX/XX/XXXX : Equifax sent a letter stating they were " unable to locate a credit file '' and requested additional documents to verify my identification, despite previous submissions. 

XX/XX/XXXX : I sent an " URGENT : Third Request '' to the Equifax Legal Department, stating that I had not received the results of their investigation or information regarding their validation process with XXXX, as is my right under FCRA. I reiterated my demand for immediate removal of erroneous late payments, citing 15 USC Code 1666b, 15 USC Code 1637 ( b ), 15 USC Code 1681s-2, and 15 USC Code 1681i, and highlighted that the legally mandated 45-day timeframe had been exceeded by over 120 days. I again enclosed copies of my driver 's license and utility bill for identity verification. 


XX/XX/XXXX : Equifax sent another response ( Confirmation # XXXX ) stating the results of the dispute were complete and the account had been " UPDATED. '' However, the historical account information still shows " No Data Available '' for some months, and the original late payments remain, as confirmed by my review of the enclosed " Account History with Status Codes '' where 1s are still present for some months in XXXX and early XXXX, indicating XXXX days past due. The updated historical data also shows " No Data Available '' for some months in XXXX, which is not a full resolution. 




Violations of FCRA : Equifax has violated multiple sections of the Fair Credit Reporting Act, including but not limited to : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of disputed information. 



15 U.S. Code 1681i ( a ) ( 1 ) : Failure to complete an investigation within the mandated timeframe ( 30-45 days ).

15 U.S. Code 1681i ( a ) ( 3 ) : Failure to provide a written response detailing the results of the investigation.

15 U.S. Code 1681s-2 ( a ) : Furnisher responsibilities, as Equifax, by not properly investigating and correcting, is allowing inaccurate information to remain.

15 U.S. Code 1666b : Regarding the creditor 's responsibility to ensure periodic statements are provided before treating a payment as late. ( While this primarily applies to XXXX, Equifax 's failure to investigate this aspect of the dispute contributes to the continued inaccuracy ). 

15 U.S. Code 1637 ( b ) : Failure to provide required disclosures on credit card statements, which relates to proper billing practices. ( Again, while primarily for XXXX, it is relevant to the dispute of late payments ).

Company response to consumer: Closed with non-monetary relief