Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally and aggressively dispute several inaccurate, unlawfully reported late payments still appearing on my consumer credit report regarding the following student loan accounts : XXXX XXXX XXXX XXXX Previously this was reported as accurate but clearly in the included exhibits the account reports XXXX  days past due from previously being on time. You are hereby notified under 15 U.S. Code 1681i ( a ) that these accounts are reporting fraudulent XXXX late payments in direct violation of the Fair Credit Reporting Act ( FCRA ), Regulation Z under the Truth in Lending Act ( TILA ), and 15 U.S.C. 1666d, which governs the timing of payments and prohibits wrongful reporting during a billing dispute or privacy breach. 
________________________________________ XXXX. XXXX XXXX 's Involvement and Ongoing FTC Complaints This dispute is compounded by XXXX XXXX 's recent breaches of consumer privacy, which have been widely reported and are currently under investigation. There are formal consumer complaints logged with the Federal Trade Commission ( FTC ) alleging that data under XXXX  XXXX  entities such as XXXX  ( formerly XXXX ), XXXX, and AI-based technologieshas been used or misused in unauthorized ways. Several consumers, including myself, have seen inexplicable changes in their student loan reporting and mortgage reporting after unauthorized account scraping, shadow profiling, and AI credit simulation actions. 
In fact, in XXXX XXXX XXXX XXXX XXXX, ( pending XXXX, class action petition ), the plaintiffs assert serious violations of personal privacy directly affecting federally backed student loans and financial accounts through data-sharing algorithms and tracking technologies embedded within third-party platforms tied to XXXX-owned companies. 
These late payments coincide directly with the timeline of said privacy breaches, and as such, must be investigated not just as ordinary disputesbut as results of potential criminal breaches of financial privacy under 18 U.S. Code 1030 ( Computer Fraud and Abuse Act ). 
________________________________________ 2. Violation of FCRA 1681s-2 ( a ) & 1681i Your continued reporting of these inaccuracies without verifying the legality, authorization, or origin of the data breach, and without pausing reporting while under formal dispute, constitutes willful noncompliance with federal law. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits a furnish-er from reporting information known or reasonably known to be inaccurate.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates re-investigation and removal of disputed data within 30 days.

15 U.S.C. 1681n and 1681o provide for civil liability, including punitive damages, attorney 's fees, and actual damages for violations.

________________________________________ 3. Violation of 15 U.S.C. 1666d and Regulation Z ( TILA ) The Truth in Lending Act, specifically 15 U.S.C. 1666d, prohibits creditors from reporting an account as delinquent when a consumer has disputed a billing error, or when payments were otherwise held or interrupted due to investigatory or fraudulent activity. The XXXX late marks on my credit report appear during the exact time that financial data was being harvested unlawfully. Under Regulation Z, you were required to suspend all negative reporting during dispute resolution. 
________________________________________ DEMAND FOR ACTION Therefore, I am demanding : 1. Immediate deletion of all XXXX late payments and update to paid as agreed from all accounts with XXXX XXXX

Company response to consumer: Closed with non-monetary relief