Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX and I am submitting this formal dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting of late payments by XXXX XXXX on my consumer credit reports. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Type of Account : Auto Loan Reporting Agency ( ies ) : Equifax, Experian, TransUnion Disputed Item : Late payment ( s ) inaccurately reported on XXXX Nature of Dispute : I am disputing the accuracy and completeness of late payment notations being reported by XXXX XXXX on my credit file. These derogatory marks are inaccurate and damaging, and I am demanding that they be immediately corrected to reflect on-time payments in accordance with federal law. 

Legal Basis for Correction : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I have the right to dispute information I believe is inaccurate, and the credit bureaus and furnishers ( such as XXXX XXXX ) are required to conduct a reasonable investigation within 30 days of receiving a dispute. Additionally : Under FCRA 1681s-2 ( a ), data furnishers like XXXX XXXX are prohibited from knowingly reporting inaccurate information to any consumer reporting agency.

Under FCRA 1681s-2 ( b ), once notified of a dispute by a consumer reporting agency, the data furnisher must investigate the disputed information, review all relevant information provided by the consumer, and report the results back. 

If the disputed information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly. 

Given the significant harm this false reporting has causedincluding denial of credit opportunities and increased financial burdenI am demanding that these inaccurate late payments be corrected to reflect " Paid as Agreed '' or On Time status across all consumer reporting agencies immediately. 
Although the FCRA provides a 30-day window, the urgency and material harm caused by this erroneous data warrants immediate attention. I request this correction be made within 24 hours of receipt of this notice, as permissible under the FCRA when a data furnisher has access to conclusive internal records to affirm timely payments. 
Relief Sought : Immediate reinvestigation and correction of all late payment notations by XXXX XXXX. 

Updated credit reporting to reflect accurate, on-time payments. 

Written confirmation from all three credit bureaus ( Equifax, Experian, TransUnion ) of the completed correction. 

Failure to take swift action may result in further legal action, including complaints to the Federal Trade Commission ( FTC ) and the State Attorney General, as well as potential civil liability under FCRA 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your attention to this urgent matter. I expect confirmation and correction within a reasonable period, but no later than 24 hours from the time XXXX XXXX acknowledges this dispute, given the accuracy of records is not in question. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation