Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Inaccurate and Illegal Reporting of Late Payments on XXXX  XXXX XXXX Account ( Account No. XXXX ) XXXX. Nature of Complaint I am filing this complaint against XXXX  XXXX XXXX and the credit reporting agencies ( XXXX  and Equifax ) for knowingly reporting inaccurate, unverifiable, and illegal late-payment notations on my XXXX XXXX XXXXXXXX account ( Acct. No. XXXX ). 

As reflected in my uploaded credit report screenshot and dispute letters, XXXX  and Equifax are reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. These entries are false, misleading, and unsupported by legally required documentation. 

XXXX. Circled Errors & Why They Are Illegal The circled sections of the report show contradictions between the bureaus. 

XXXX  reports XXXX late payments, despite the account being current with no outstanding balance. 

Equifax reports the same lates while simultaneously showing a reinvestigation in progress. 

XXXX, however, shows the account as current with no lates. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i requires proper reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) & ( b ) prohibits furnishers from reporting inaccurate or unverified information. 

Further, the alleged late payments are invalid because XXXX XXXX XXXX has not proven : That periodic billing statements were mailed or delivered ; That I received them at least 21 days before the due date, as required under TILA ( 15 U.S.C. 1637 ( b ) ; Reg Z, 12 C.F.R. 1026.5 ( b ) ) ; That a Negative Information Notice was provided, per FACT Act 217 ( S27 ).

Under California Civil Code 1785.25 ( a ) ( CCRAA ), furnishers and CRAs can not include information they know or should know is inaccurate. 

XXXX. Lack of Validation Documents I requested validation documents multiple times. To date, I have only received a single statement copy, which does not satisfy the above federal and state requirements. Continuing to report unverifiable late payments is both illegal and harmful. 

XXXX. Severe Hardship Caused This inaccurate reporting is causing serious and immediate harm to my life. 

I am in the process of purchasing a home. The reported late payments have directly reduced my creditworthiness and ability to qualify for favorable mortgage terms. 

This is creating unnecessary financial strain and delaying a critical step in securing stable housing for myself and my family. 

At a time when I am already going through personal hardship, the continued reporting of these false lates is making my situation worse. 

This demonstrates not just negligence but also reckless disregard for the real-world consequences of reporting inaccurate data. 

XXXX. Documented Efforts & Proof I have : Sent multiple disputes to XXXX XXXX XXXX, XXXX, and Equifax ; Proof of mail sent and received ( including tracking receipts ) ; Provided all supporting documents ( attached ). 

Despite this, the violations remain unresolved. 

XXXX. Requested Relief I respectfully request that the CFPB : Investigate XXXX  XXXX XXXX, XXXX, and Equifax for continued illegal reporting of unverifiable late payments. 

Order deletion of the inaccurate late-payment notations for XXXX and XX/XX/XXXX. 

Ensure full compliance with FCRA, TILA/Reg Z , and CCRAA in all future reporting. 

Require written confirmation of deletion. 

XXXX. Next Steps If this matter is not resolved through CFPB enforcement, I will be forced to escalate further by : Filing additional complaints with the FTC and California Attorney General ; Pursuing small claims litigation for damages under the FCRA, TILA, and CCRAA. 

Sincerely, XXXX XXXX XXXX XXXX. 

Attachments : XXXXEquifax credit report screenshot ( circled errors ) Prior dispute letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation