Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB Representative, I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). This inaccurate reporting has negatively affected my credit profile, and I am requesting an immediate investigation into this matter. 
Details of the Disputed Late Payment : Creditor Name : XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Alleged Late Payment : XX/XX/XXXXXXXX  I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that I, in fact, paid on time. The consumer reporting agencies must ensure all reported information is accurate. 
This account continues to report a 30-day late payment despite multiple inconsistencies across the credit bureaus. As shown in the screenshot, XXXX  and Equifax both list the account as Current with no late payments in the payment history. Only Experian reports a 30-day late as of XX/XX/XXXX, even though the account was already closed or paid on that date with a {$0.00} balance. 

Additionally, the Date Last Active and Date of Last Payment confirm no outstanding obligation existed. These conflicting details prove the late payment is unverified and inaccurate and must be removed from all reports immediately. Although the payment history is not fully visible in the screenshot, the late mark remains in your system and is causing ongoing harm. 
I have attached a copy of my report with details of the disputed dates. I request that you investigate this account and update these payments to " Paid On Time '' immediately. 
Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i I am exercising my right under this section to dispute inaccurate information on my credit file. The reported late payment does not accurately reflect my payment history, and I am requesting a formal investigation and correction. 
Truth in Lending Act ( TILA ) - 15 U.S. Code 1637 ( b ) Creditors must provide clear and accurate billing statements to consumers. If this late payment reporting does not align with the terms of my agreement, it constitutes an error that should be rectified immediately. 
Obligations of Information Furnishers - 15 U.S. Code 1681s-2 Creditors and furnishers must ensure the accuracy of the information reported to credit bureaus. If the creditor can not substantiate the late payment with verifiable documentation, they must remove it from my credit file. 
Request for Description of Investigation Process : Pursuant to 15 U.S. Code 1681i ( a ) ( 7 ), credit reporting agencies must provide a description of the investigation process within 15 days of receiving a consumers dispute. Therefore, I request a detailed explanation of the procedures used to verify this account. 
If you can not update my payments to " Paid On Time, '' please provide the required information regarding your investigative process. 
Additionally, under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. Payment history and any associated late payments negatively impact my report and must be accurate. 
Requested Actions : Conduct a thorough investigation and provide a written response within 30 days, as required by law. 
If the late payment can not be verified, instruct the creditor to update my account status to " Paid As Agreed, Never Late. '' Notify XXXX, Equifax, and XXXX  to reflect the corrected information on my credit report. 
Provide a detailed description of the investigation process used to verify this account, as required by law. 
Final Notice : Failure to properly investigate and correct this inaccurate information may result in further actions, including potential escalation to legal authorities for non-compliance with federal consumer protection laws. 
I have enclosed copies of all supporting documents related to this dispute. Please acknowledge receipt of this complaint and provide a written update within the legally mandated timeframe. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation