Consumer complaint received 2025-11-12 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 DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Tx. XXXX SSN : XXXX BOD : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of the following accounts : Account number : XXXX [ Account Number 1 ] XXXX  XXXX Account number : XXXX [ Account Number 2 ] XXXX  XXXX Account number : XXXX [ Account Number 3 ] XXXX  The purpose of this letter is to report an issue negatively impacting my credit reports. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my accounts mentioned above have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit reports. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to the following late payments in my credit reports : [ Account 1 ] : [ Date : TRANSUNION XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX- XXXX XXXX EXPERIAN XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX [ Account 2 ] : [ Date : TRANSUNION XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX / XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX EQUIFAX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX [ Account 3 ] : [ Date ] TRANSUNION XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX EXPERIAN XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit reports. I am willing to provide any additional documentation necessary for your investigation.

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation