Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( XXXX and Equifax ) and XX/XX/XXXX ( XXXX ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : XXXX XXXX Account Number : XXXX High Balance : {$XXXX} Date Opened : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Payment Status : XXXX XXXX XXXX  days late ( XX/XX/XXXX ) XXXX : XXXX  days late ( XX/XX/XXXX ) Equifax XXXX XXXX  days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : XXXX and Equifax report a late payment for XX/XX/XXXX, while XXXX XXXX it for XX/XX/XXXX. 
Equifax inconsistently lists the account as both " XXXX '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : XXXX and XXXX state : " Dispute resolved ; customer disagrees. '' Equifax states : " Consumer disputes after resolution ; closed or paid account/zero balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages.

Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information.

Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt. 
Requested XXXX I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief