Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint concerning a series of inaccurate and potentially unlawful late payment entries appearing on my Equifax credit report, associated with XXXX furnishers : XXXX XXXX XXXX, XXXX, and XXXX XXXX. 
These entries are erroneous and are being reported in violation of federal consumer protection statutes, including the Truth in Lending Act ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i and 1681s-2 ( b ) ).

________________________________________ I. Basis for Dispute ( All Three Accounts ) I dispute the reported late payments on XXXX primary legal and factual grounds : XXXX. Violation of 15 U.S.C. 1666b Improper Billing Notice The Truth in Lending Act prohibits creditors from treating any payment as late unless a billing statement was issued at least XXXX  days prior to the due date. In these cases, I did not receive any such statements from XXXX XXXX, XXXX, or XXXX XXXX within the legally required timeframe. As such, any reported delinquencies are invalid and in violation of federal law. 
XXXX. Mixed File / Misattribution Identity Confusion In addition, I have no confirmed contractual or financial relationship with any of these XXXX furnishers. The accounts may be mistakenly attributed to me due to identity confusion with someone of a similar name a situation often referred to as a " mixed file '' in credit reporting terminology. 
________________________________________ XXXX. Specific Accounts in Dispute Creditor Account ( Last XXXX Digits ) Issue Type Dates of Late Payments Requested Action XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Remove Late Payments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Remove Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Remove Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XX/XX/XXXX, XX/XX/XXXX Remove Late Payments ________________________________________ III. XXXX and XXXX XXXX In support of my position, I have attached the following documents : Document XXXX : 15 U.S.C. 1666b and Misattributed Account Outlines the legal protections under the Truth in Lending Act and explains how these late payment entries fail to meet statutory notice requirements. Also details the risk of misattribution or identity confusion due to mixed files. 
Document XXXX : Support Memorandum FTC & CFPB XXXX Brief in XXXX XXXX XXXX ( XXXX ) This brief confirms that all credit disputes must be investigated, regardless of a furnishers opinion of their merit. It reinforces that CRAs and furnishers can not legally dismiss disputes without full investigation, as required under 15 U.S.C. 1681s-2 ( b ).

Document 3 : Recent Billing Statement Provides proof of my identity and address, demonstrating that I am not associated with the disputed accounts. 
________________________________________ XXXX. Requested Resolution Under the FCRA and TILA, I respectfully request that the CFPB : XXXX. Initiate an immediate reinvestigation into all late payments reported by XXXX XXXX, XXXX, and XXXXXXXX XXXX 
XXXX. Ensure Equifax complies with 15 U.S.C. 1681i and 1681s-2 ( b ) by verifying the legitimacy of these accounts and entries. 
XXXX. Require removal of any inaccurate, unverifiable, or misattributed information from my credit report. 
XXXX. Provide a written statement confirming the results of your investigation and the corrective actions taken. 
These derogatory entries are not only inaccurate and harmful but also violate federal consumer protections. I ask for the CFPBs intervention to restore accuracy and fairness to my credit file. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief