Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payments and Charged-Off Account Account in Question : XXXX  XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX * XXXX To Whom It May Concern, I am writing to formally dispute and demand immediate correction or deletion of inaccurate and unlawful information that appears on my Equifax credit report, as provided under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), specifically : 15 U.S. Code 1666b Timing of Payments 15 U.S. Code 1637 ( a ) ( 7 ) Disclosure of payment and grace period terms Disputed Entry : Creditor : XXXX XXXX XXXX  XXXX XXXX Account # : Ending in XXXX XXXX XXXX : Over XXXX Days Past Due / Charged Off Reported Past Due Amount : {$590.00} Charge-Off Reporting Date : XX/XX/XXXX Delinquency Began : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Legal Basis for Dispute : XXXX. Violation of 15 U.S.C. 1666b Timing of Payments This law mandates that a payment must be considered timely if received by XXXX p.m. on the due date. There is no documented evidence that my payments were late beyond the allowed cutoff time, or that late payment notices were validly issued. If XXXX XXXX failed to process a timely payment due to internal delays, this would render the subsequent delinquency reporting inaccurate and unlawful. 
XXXX. Violation of 15 U.S.C. 1637 ( a ) ( 7 ) Failure to Disclose Terms Clearly The creditor is required to clearly disclose billing rights and payment terms, including the length of any grace period. If proper notice or billing statements were not sent, or were misleading or delayed, the consumer can not be held liable for late fees or derogatory credit reporting. I am asserting that I was not adequately informed of my billing rights, nor provided sufficient opportunity to resolve the issue prior to the reporting of late payments and charge-off. 
XXXX. XXXX XXXX & XXXX The account was charged off without clear evidence of default under the cardholder agreement. The timing of the late payments, along with the full balance still showing due ( {$3200.00} ), raises serious concerns of double punishment where I am being penalized via charge-off while still being held liable for the full balance with no verified validation. 
DEMAND FOR ACTION : I demand a full investigation under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( b ), I request removal of all late payments reported between XX/XX/XXXX XX/XX/XXXX, and I demand deletion or correction of the charge-off status unless full legal validation can be provided. 
If you are unable to verify the legitimacy and compliance of this account within 30 days, the derogatory marks must be permanently deleted from my credit report. 
Failure to act will result in escalation to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Potential civil action for violations under the FCRA, TILA, and FCBA.

Company response to consumer: Closed with non-monetary relief