Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to report late payments that do not exist. I have submitted over 10 disputes for each of the account with provide a documentation. Equifax has failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ). I demand deletion of this unverifiable information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am writing to dispute the following information that appears on my Equifax : DEPT OF EDXXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$3700.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 

- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file. 
If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$4000.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- XXXX deletion of the inaccurate late payment record from my Equifax credit file. 

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 

I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$9300.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$770.00}. 

I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$5400.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 

The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading.

I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment.

- All documentation used to verify this late payment.

- A detailed explanation of your reinvestigation process.

- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance.

I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 

Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3600.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 

XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 

XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it. 
XXXX. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment.

- A detailed explanation of your reinvestigation process.

- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

DEPT OF EDXXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
I am writing to formally dispute an inaccurate and damaging late payment notation reported by Equifax regarding my student loan account. This is a final attempt to resolve this matter directly with your agency before pursuing formal regulatory and legal action. 
The student loan in question has never been reported as late by either XXXX or XXXX. 
Therefore, the late payment entry that remains on my Equifax report is clearly inaccurate and inconsistent with the information provided by other major credit reporting agencies. 
Please be advised that this is a direct violation of the following consumer protection laws : XXXX. **FCRA 1681s-2 ( a ) ** Furnishers must report accurate information. Continuing to report a false late payment violates this provision. 
XXXX. **FCRA 1681i ( a ) ( 1 ) ( A ) ** Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
XXXX. **FCRA 1681i ( a ) ( 5 ) ( A ) ** If the disputed information can not be verified, it must be deleted immediately. 
XXXX. **FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ** You are required to disclose the name and contact information of the furnisher who verified the disputed information, as well as the method and documentation used to verify it.

5. **FDCPA 807 ( 15 U.S.C. 1692e ) ** Prohibits furnishing or reporting information known to be false or misleading. 
I hereby demand the following within 30 days as required by law : - The name, address, and contact information of the furnisher who verified the alleged late payment. 
- All documentation used to verify this late payment. 
- A detailed explanation of your reinvestigation process. 
- Immediate deletion of the inaccurate late payment record from my Equifax credit file.

If this matter is not resolved within 30 days, I will be filing formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my **State Attorney Generals office**. I am also prepared to pursue legal action under **FCRA 1681n** and ** 1681o** for willful and negligent noncompliance. 
I expect prompt and full compliance with federal law. Please confirm in writing that the inaccurate information has been removed. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief