Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX TO : Experian, Equifax, and TransUnion RE : Formal Dispute - Inaccurate Late Payment Reporting Account Number : [ Insert Account Number ] Dear Credit Reporting Agency, I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair and Accurate Credit Transactions Act ( FACTA ). This letter serves as my official request for investigation and immediate removal of erroneous late payment entries. 

DISPUTE DETAILS : Account Information : - Creditor : [ Creditor Name ] - Account opened : XX/XX/XXXX - Disputed Items : Two ( 2 ) late payment markings appearing on my payment history BASIS FOR DISPUTE : I am disputing the accuracy of the late payment entries reported on this account for the following reasons : 1. PAYMENT HISTORY ACCURACY : According to my records and direct confirmation from customer service representative XXXX, I have maintained consistent on-time payments throughout the life of this account. The representative confirmed that their internal records do not show any late payments. 

2. PROFESSIONAL RESPONSIBILITY : As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I maintain the highest standards of responsibility and reliability in all aspects of my life. Despite working extensive and often unpredictable hours protecting our community, I have always made it a priority to ensure my financial obligations are met promptly and on time. 

3. ACCOUNT PERFORMANCE EVIDENCE : The payment history clearly shows : - 97 % on-time payment rate - Current payment status with {$0.00} amount past due - Last payment made : XX/XX/XXXX XXXX  - Account in good standing 4. CUSTOMER SERVICE VERIFICATION : I have documented communication with customer service representative XXXX who confirmed that my payment history does not reflect any late payments based on their internal records. 

LEGAL BASIS FOR REMOVAL : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : - Section 611 ( a ) ( 1 ) ( A ) requires you to conduct a reasonable investigation of disputed information within 30 days - Section 611 ( a ) ( 5 ) ( A ) mandates removal of inaccurate information following investigation - Section 623 ( b ) requires furnishers to investigate disputes and correct inaccurate information Under the Fair and Accurate Credit Transactions Act ( FACTA ) : - Consumers have enhanced rights to dispute inaccurate information - Credit reporting agencies must maintain procedures to ensure maximum possible accuracy - Inaccurate negative information must be corrected or removed promptly DEMANDED ACTIONS : I formally demand that you : 1. IMMEDIATELY INVESTIGATE the accuracy of the two disputed late payment entries 2. REMOVE ALL INACCURATE LATE PAYMENT MARKINGS from my credit report 3. UPDATE MY CREDIT REPORT to reflect accurate payment history showing consistent on-time payments 4. PROVIDE WRITTEN CONFIRMATION of all corrections made to my file 5. SEND CORRECTED REPORTS to any entity that received inaccurate information within the past 6 months ( or 24 months for employment purposes ) SUPPORTING EVIDENCE : - Account shows 97 % on-time payment rate - Current status with {$0.00} past due - Customer service confirmation of accurate payment history - Professional employment requiring high reliability standards LEGAL NOTICE : Please be advised that failure to conduct a reasonable investigation, remove inaccurate information, or respond within the required timeframe may result in legal action. Under FCRA Sections 616 and 617, violations may result in actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees.

As a public servant dedicated to protecting our community, I expect the same level of accuracy and responsibility from credit reporting agencies in maintaining my credit file. The erroneous late payment markings are damaging my creditworthiness and must be removed immediately. 

I expect your full compliance with federal consumer reporting laws and prompt resolution of this matter within 30 days of receipt. Please provide written confirmation of your investigation results and any corrections made. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation