Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
To Whom It May Concern, This is a formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act, and all other consumer protection laws regarding the continuous false and harmful late payment reporting placed on my credit reports by XXXX. The law clearly states that furnishers of information must ensure maximum possible accuracy, and consumer reporting agencies must conduct proper reinvestigations when a consumer disputes any entry. In my case, multiple accounts are being reported with late payment notations that are absolutely false and can not be verified, causing me severe damage in my financial life. 
XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX Owed {$3800.00} has been falsely reported as late payment. I dispute this reporting because at no time did I ever make a late payment on this account. The servicer is either misreporting or failing to update properly. This negative entry is causing serious harm to my creditworthiness, and I demand immediate correction to reflect an accurate payment history. 
XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX Owed {$3500.00} is also marked as late payment which is absolutely false. I have maintained responsible repayment on this account and the late payment status is fabricated. This is a violation of FCRA accuracy requirements, and I require it to be corrected or removed immediately because unverified or false derogatory information can not legally remain on my report. 
XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened XX/XX/XXXX XXXX Owed {$2100.00} has been listed as having late payments. This is another false reporting issue. There is no supporting documentation that proves delinquency, and I have never been notified of any late status by the lender. This entry is unlawfully harming my credit and must be corrected without delay. 
XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Owed {$1800.00} is also inaccurately marked as late. Again, I dispute this in its entirety because I never failed to make on-time payments. The reporting is damaging, misleading, and illegal under the FCRA. No creditor or bureau has provided validation of this alleged delinquency. I demand full correction. 
XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Owed {$1100.00} is yet another account marked as late when in reality no late payments exist. This shows a pattern of negligence, willful misreporting, or systemic error by the furnisher and the bureaus. Under XXXX XXXX. XXXX, I reserve the right to pursue legal remedies for willful noncompliance should this not be corrected. 
XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX Owed {$2100.00} is also listed as having late payments that I categorically deny. I have never been late on this account and demand immediate investigation, removal of the false late status, and correction of my credit report to reflect accurate history. 
I request immediate intervention by the CFPB to enforce my consumer rights, require a full reinvestigation, and compel XXXX  as well as the credit bureaus to correct or delete these inaccurate late payment notations from my file. If this matter is not resolved promptly, I reserve the right to pursue legal remedies under FCRA 616 and 617 for damages caused by willful and negligent noncompliance. 
I expect written confirmation of the actions taken on this complaint and full accountability from the parties involved.

Company response to consumer: Closed with non-monetary relief