Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XX/XX/XXXXXXXX, IA XXXX Subject : CFPB Late Payment Removal - Final Request for XX/XX/XXXXXXXX Account Dear CFPB Representative, I am filing a formal complaint against the credit bureaus XXXX and Equifax for failing to correct inaccuracies regarding late payments reported on my credit report for the XX/XX/XXXX XXXX account ( Account Number : XXXX ). Despite previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX, these errors remain unresolved, violating my federally protected rights under multiple consumer protection laws. Account Discrepancies The following discrepancies and errors have been identified for theXX/XX/XXXXXXXX account : 1. XXXX Late payments reported with the following history : 30 days late ( 1 time ), 60 days late ( 2 times ), 90 days late ( 5 times ). Despite these reports, the account is marked as " Current '' and " Open '' with a balance owed of {$0.00}, which contradicts the late payment history. 
The credit report fails to provide exact dates for the reported late payments, which violates the requirement for accurate and complete information. 2. Equifax Late payments reported with the following history : 30 days late ( 1 time ), 60 days late ( 3 times ), 90 days late ( 4 times ). The account status is listed as " Open '' and " Current '', with a balance owed of {$0.00}. This conflicts with the reported late payments. 
Similar to XXXX, the credit report from Equifax does not specify the exact dates of these late payments, making it impossible to verify their accuracy. 
These discrepancies indicate a clear failure to maintain accurate and consistent reporting across the credit bureaus, resulting in damage to my creditworthiness. Violations of Federal Laws 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of my credit report. 15 U.S. Code 1681i : Failure to investigate and correct inaccurate information after my initial disputes. 2. Truth in Lending Act ( TILA ) : Reporting false late payments contradicts the requirement to provide accurate and timely disclosures to consumers. 3. Gramm-Leach-Bliley Act ( GLBA ) : 15 U.S. Code 6801 : Failure to ensure the privacy and accuracy of my financial information. 4. FTC Act and Privacy Rights : 18 U.S. Code 1028A : The continued reporting of incorrect information constitutes misrepresentation and fraud under federal law. Formal Request for Immediate Correction I formally demand the immediate removal of all inaccurate late payment entries for the XX/XX/XXXXXXXX account from XXXX and Equifax. Specifically : Update the payment status to " Paid As Agreed, Never Late. '' Correct the payment history to reflect accurate details, removing all reported late payments. Provide documented proof if these inaccuracies are upheld, including dates, amounts, and any communication records validating the late payments. 
Supporting Evidence Attached is the detailed account screenshot highlighting the discrepancies, along with documentation from prior disputes.

Resolution Requested 1. Immediate removal of the late payment entries. 2. Written confirmation of the correction. 3. Compliance with federal laws as outlined above.

Failure to resolve this matter within 30 days will result in further action, including additional complaints to relevant agencies and potential legal escalation.

I trust that this issue will receive the prompt attention it requires.

Thank you for your immediate assistance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief