Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Accounts : XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Payment {$100000.00} I am filing this complaint against Experian, Equifax, and TransUnion because both of these late payments are being reported without any verification, without any documentation, and without following the legal requirements under the FCRA or Metro 2 compliance.

I have not received one valid document showing how these late payments were verified. The bureaus have sent : Copies of my credit report Verification complete notices Stall letters claiming Im working with a third party ( I am not ) Emails claiming I submitted identity theft ( I did not ) Fraud alerts placed on my file without my permission NOT ONE piece of documentation proving these alleged late payments This is a direct violation of federal law. 
THIS IS NOT VERIFICATION AND YOU KNOW IT The credit bureaus keep telling me the item has been verified, but can not provide ANY evidence of how it was verified. 
Under federal law, verified requires documentation, not a simple internal check mark. 

Since the credit bureaus clearly do not understand what verification actually means, let me make it very clear : To legally verify a late payment, you MUST provide : 1. Original creditors internal account notes Showing the date they claim I was late and the reason.

2. Full payment ledger showing every payment posted This must include timestamps, posting dates, and method of payment.

3. Evidence proving the delinquency date This includes official transactional records that match the claimed late date.

4. Billing statement showing the due date and the missed date Without this, nothing is proven.

5. System-generated audit logs from the furnisher Showing when and how the late payment was coded.

6. Anything submitted to the CRA during the e-OSCAR/ACDV process Under FCRA 611 ( a ) ( 6 ), Im entitled to see it.

NONE of this was provided to me.

If you can not show the documentation that proves the late payment, then it is hearsay and legally must be deleted.

FCRA VIOLATIONS BY ALL THREE CREDIT BUREAUS 1. FCRA 611 ( a ) ( 1 ) ( A ) Failure to
conduct a reasonable investigation within 30 days.

2. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Method of Verification You are required by law to disclose HOW you verified the information.

3. FCRA 607 ( b ) Duty to maintain maximum possible accuracy.

Reporting late payments with no documentation violates this standard.

4. FCRA 611 ( a ) ( 5 ) ( A ) Items that CAN NOT be verified must be deleted.

5. FCRA 605B / 609 Improperly adding
fraud alerts without my permission.

METRO 2 VIOLATIONS Metro 2 requires : Complete, accurate, and verifiable data Full documentation from the furnisher NO reporting of items that can not be certified for accuracy Late payments must be supported by : Full payment history Date-specific evidence Furnisher-certified accuracy The bureaus have none of this and are reporting based on uncertified hearsay.

1. Fraud Alerts Added Without My Consent This is illegal and was never authorized.

2. Claiming I Am Working With a Third Party This is a stall tactic documented in federal complaints against the bureaus.

3. Claiming I Filed Identity Theft I did NOT another illegal stall tactic.

4. Sending me my own credit report A credit report is NOT verification.

5. Failing to update or correct inaccurate information This violates FCRA 607 and 611.

I am fully aware that Experian, Equifax, and TransUnion have been sued repeatedly for : Failing to conduct proper investigations Marking items verified without proof Using automated responses instead of investigations Ignoring consumer disputes Reinserting negative items without notice Mishandling consumer information Data breaches exposing consumer data And these exact same violations are happening here.

Company response to consumer: Closed with explanation