Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate late payment reporting on my credit report for the following account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Disputed Late Payments : 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 90 days late ( XX/XX/XXXX ) As a consumer, I have disputed these inaccuracies with Equifax, and despite my efforts, Equifax has failed to conduct a proper investigation or provide an accurate resolution. Recent reports regarding the CFPBs lawsuit against Equifax for systemic failures in its dispute handling only heighten my concern regarding the integrity of Equifaxs investigation process.

Specifically, the late payment records are inaccurate due to the following : On-time payments are reported from XXXX through XX/XX/XXXX. 


A {$210.00} payment was made in XX/XX/XXXX far exceeding the XXXX XXXX monthly obligation indicating good standing at that time. 


No skipped or missed payment is recorded prior to XX/XX/XXXX that would justify a XX/XX/XXXX day delinquency progression. 


Both Experian and TransUnion report this account as current, with no such delinquencies present. 


Yet Equifax reflects a progression of delinquencies that is unsupported by the account history. This discrepancy reflects an error in Equifaxs reporting and an unreasonable failure to correct after disputes.

These failures are consistent with the CFPBs findings that Equifax : Did not thoroughly investigate consumer disputes or consider all submitted evidence Reinserted previously deleted errors and failed to properly block identity theft-related data Shared inaccurate scores and data with lenders due to internal coding errors These actions violate the Fair Credit Reporting Act ( FCRA ), which mandates reasonable procedures to ensure accuracy and reinvestigation of disputed items. It is evident from both my experience and recent enforcement actions that Equifax is failing to meet these legal requirements. 
Accordingly, I demand the following : Deletion of all inaccurate late payment notations related to this account ( XX/XX/XXXX XX/XX/XXXX ) from my credit file. 


Written confirmation of the correction within 30 days as required under FCRA. 


Assurance that Equifax will not reinsert these errors or share inaccurate information with lenders going forward.

Additionally, I request that the CFPB exercise oversight to ensure Equifax complies with the law and takes corrective action immediately.

Enclosed with this letter : A copy of my Equifax credit report highlighting the disputed items Screenshots and documentation showing the actual payment history and positive reporting from other bureaus Copies of previous dispute correspondence sent to Equifax Please consider this a formal dispute under FCRA 611 and respond in writing within the 30-day timeframe. Failure to act will leave me no choice but to explore further legal remedies to protect my credit and rights.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief