Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
NOTICE OF FEDERAL VIOLATION LIABILITY Re : XXXX  XXXX XXXX XXXX  Account # XXXX Balance : {$1000.00} | 7 Reported Late Payments | Balance Updated : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX To Whom It May Concern, This letter serves as a formal notice of dispute and an immediate demand for investigation, correction, and compliance under multiple provisions of federal law. I am disputing the reporting of seven ( 7 ) alleged late payments and the derogatory status being furnished regarding the above-referenced account. These entries appear inaccurate, unverifiable, and in violation of several federal statutes regulating credit reporting, consumer data handling, and the duties of data furnishers. 

I am invoking my rights under the following laws : LEGAL AUTHORITY SUPPORTING THIS DISPUTE Code What You Are Required To Do 15 USC 1666b Creditors must post payments promptly and accurately. Any misapplied or delayed posting affecting delinquency reporting violates federal billing standards.

15 USC 1681a Defines what constitutes consumer report data and mandates truthful, verifiable reporting only.

15 USC 6802 Prohibits unauthorized disclosure, mishandling, or failure to protect consumer financial information.

15 USC 1681i Requires reinvestigation of disputed information within 30 days and removal of unverifiable records.

15 USC 1681s-2 ( a ) Furnishers must ensure accuracy and completeness of information supplied to bureaus. Unverified late payments must be deleted.

15 USC 1681i ( a ) ( 6 ) You must provide results of reinvestigation, evidence supporting the accuracy, and disclosure of all reporting data sources in writing.

FORMAL DEMAND I require a full investigation and reinsertion-proof documentation validating every late-payment claim being reported. If you can not produce timestamped payment histories, posting logs, ledger entries, or evidence showing that these late payments occurred and were accurately reported, then federal law requires : IMMEDIATE REMOVAL OF THE FOLLOWING FROM ALL CREDIT AGENCIES : All 7 allegedly late payments Any derogatory remarks affecting account status Any negative furnisher reporting resulting from said inaccuracies If you fail to comply within the statutory timeline, you will leave me no choice but to escalate to : CFPB formal complaint FTC regulatory submission Civil action for statutory damages per violation REQUIRED RESPONSE You must issue written verification, including : Full payment posting history from account opening ( XX/XX/XXXX ) to present Date-stamped evidence supporting every late payment reported Copies of all reporting data transmitted to Equifax, TransUnion, Experian Results of reinvestigation as mandated under 15 USC 1681i ( a ) ( 6 ) Failure to provide proof means the reporting is legally unverifiable and must be deleted.

You are now on notice. The countdown begins the moment you receive this letter.

Sincerely,

Company response to consumer: Closed with non-monetary relief