Consumer complaint received 2025-07-12 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: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting XXXXXXXX XXXX ( Acct # XXXX * * * * ) To Whom It May Concern : This is a formal notice of dispute regarding the inaccurate and inconsistent reporting of late payments on the XXXX XXXX account number ending in XXXX. This acccount is currently closed and reflects a {$0.00} balance, yet is being reported across all three bureaus with serious factual inaccuracies and conflicting data that violate federal law. 

Inaccuracies Identified : Factual Impossibility in Late Payment Reporting : All three credit bureaus report a XXXX Days Late payment in XX/XX/XXXX, while the previous month, XX/XX/XXXX, is reported as OK or on-time. This makes it impossible for XXXX to reflect a XXXX delinquency unless XXXX was also delinquent. This is a clear-cut violation of FCRA 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. 

Experians Improper Suppression of XXXX Status : Experian displays XXXX and XX/XX/XXXX as " 30 Days Late '' in the payment grid but only summarizes the payment status as XXXX Days Late. This misrepresents the severity of delinquency and misleads lenders, violating both the FCRA and XXXX XXXX industry reporting standards. 

Inconsistent Account Information Across Bureaus : Equifax reports XXXX months term, while Experian and TransUnion show XXXX months. 

Only Equifax states the account was Closed at consumers request. 

Reported last active and last payment dates differ by bureau. 
Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Mandates consumer reporting agencies maintain procedures to ensure the maximum possible accuracy of all data they report. 

15 U.S.C. 1681i ( a ) Requires deletion or correction of information that is inaccurate, incomplete, or can not be verified after a dispute.

15 U.S.C. 1681s-2 ( b ) Imposes duties on furnishers of information to promptly investigate and correct any disputed information.

Relevant Legal Precedent : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) A CRA must do more than simply parrot information received from the furnisher. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Even technically accurate information that is misleading may be a violation of the FCRA. 

XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A furnisher 's duty under 1681s-2 ( b ) includes correcting misleading or materially incomplete data. 

Sepulvado v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reporting incomplete or internally inconsistent information violates the FCRA.

Demand for Immediate Deletion : Due to the reasons stated above, I am demanding the immediate deletion of all negative payment history, derogatory remarks, and misreported data associated with the XXXX XXXX account from my credit file across all three major bureaus. 

If the item can not be verified with full consistency, it must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). I expect written confirmation of correction or removal within 30 days of receipt of this dispute, as required by law.

Failure to comply may result in formal complaints to the CFPB, the Arizona Attorney General, and the pursuit of civil litigation under 15 U.S.C. 1681n and 1681o, which allow for actual damages, punitive damages, and attorneys fees for willful and negligent violations of the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief