Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Consumer transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer XXXX XXXX XXXX and the XXXX XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 
XXXX XXXX Account XXXX XXXX Past due : 30 Days Date : XX/XX/year> XXXX XXXX have charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 
My accounts with XXXX XXXX were never late! This was clearly a billing error, and a double dipping scheme. This act is shameful. It has caused severe hardship to my reputation, my character, my mode of living and to my family! 
I need the following late payments Deleted : XXXX XXXX Account # XXXX Past due : 30 Days Date : XXXX XXXX 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete this late payments from my consumer reports : XXXX XXXX Account XXXX XXXX Past due : 30 Days Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation