Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, TX XXXX Dear Equifax, I am writing to formally dispute inaccurate and/or unverifiable late payment information currently being reported on my Equifax credit report. I am requesting the immediate investigation and deletion of these late payments under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ), furnishers are required to report information that is complete and accurate. Additionally, under FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate, misleading, or unverifiable. Upon receipt of this dispute, Equifax is required to conduct a reasonable reinvestigation within 30 days. 

The late payments listed below are being reported without sufficient documentation proving their accuracy, timeliness, or compliance with federal reporting requirements. If Equifax can not obtain verified evidence that these late payments are accurate, complete, and properly reported, they must be deleted from my credit report. 

Action Requested Conduct a full reinvestigation of the disputed late payments listed below.

Delete any late payment that can not be fully verified as accurate and complete.

Provide written confirmation of the results of your reinvestigation within 30 days, as required by FCRA 611 ( a ). 

Please note that late payments significantly damage a consumers credit profile and may not be reported unless they are fully accurate, properly documented, and compliant with FCRA reporting standards. 

I have enclosed copies of my government-issued photo identification and proof of address for identity verification. 

Late Payments in Dispute XXXX XXXX  XXXX | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX | Account ending : XXXX Reported Late : XX/XX/XXXX Creditor : XXXX XXXX | Account ending : XXXX Reported Late : XX/XX/XXXX XXXX | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX XXXX : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX  | Account ending : XXXX | Reported Late : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX | Account ending : XXXX XXXX XXXX Late : XX/XX/XXXX Creditor : XXXX XXXX XXXX | Account ending : XXXX | Reported Late : XX/XX/XXXX If Equifax is unable to verify these late payments with complete and documented evidence from the furnisher, they must be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation