Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
RE : FORMAL FCRA 623 DIRECT DISPUTE XXXX Account Number : __________________ Incorrect XX/XX/XXXX Late Payment Reporting To Whom It May Concern : This letter serves as a formal dispute under FCRA 623. 
XXXX XXXX is inaccurately reporting a 30-day late payment for XX/XX/XXXX. 
The reporting is false for the following reasons : XXXX. A {$500.00} payment was made on XX/XX/XXXX. 
XXXX. Additional authorized payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX  XXXX internally reversed payments ( REVERSAL DIRECT PAYMENT, REVERSAL INTEREST CHARGE ). 
XXXX. XXXX prohibits reporting a late payment when any payment occurred in the cycle. 
XXXX. Your ledger shows the past due balance returned to {$0.00}. 
Requested Action : Remove the XX/XX/XXXX XXXX late Update account to Pays as Agreed/ Current Provide written confirmation within 30 days Failure to comply will result in CFPB, FTC, AG complaints and potential legal action under FCRA 616 . 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX CREDIT BUREAU XXXX LETTER -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX Mailing : XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX Email : XXXX XX/XX/XXXX Date : __________ Re : Incorrect Late Payment XXXX XXXX  ( XX/XX/XXXX ) XXXX Account Number : __________ To Whom It May Concern : I am disputing the inaccurate reporting of a 30-day late payment for XX/XX/XXXX. 
Evidence shows : {$500.00} payment on XX/XX/XXXX Additional authorized charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Internal reversals by XXXX XXXX Account never reached 30 days delinquency Requested Action : Remove the XX/XX/XXXX late payment Update the account to Current / Pays as Agreed Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. CFPB COMPLAINT STATEMENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Acceptance is reporting an inaccurate 30-day late for XX/XX/XXXX. 
I made multiple payments during the month, including {$500.00} on XX/XX/XXXX and XXXX more authorized drafts. 
XXXX XXXX internally reversed payments and then reported me late anyway. 
This violates : FCRA 623 FCRA 607 ( b ) XXXX guidelines I request CFPB intervention to correct this. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 4. EXHIBIT LIST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Exhibit A Bank Statement XX/XX/XXXX {$500.00} Payment Exhibit B Bank Statement XX/XX/XXXX {$400.00} XXXX XXXX Bank Statement XX/XX/XXXX {$400.00} Exhibit XXXX  XXXX Statement XX/XX/XXXX {$460.00} Exhibit E XXXX XXXX Ledger Reversals Exhibit F Payment History Screenshot -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 5. FAILURE TO CONDUCT REASONABLE INVESTIGATION LETTER -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - If not corrected within 30 days, send this : This letter serves as notice that your reinvestigation was not performed in compliance with FCRA 611. 
All documentation showed that the XXXX late payment was caused by creditor-initiated reversals. 
Failure to correct within 7 days will result in legal escalation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 6. EMAIL VERSION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Subject : Dispute of Incorrect XX/XX/XXXX Late Payment Hello, Im disputing the inaccurate XX/XX/XXXX late payment. Attached are bank statements and your ledger confirming multiple payments and internal reversals. 
Please correct the reporting to Current/ Pays as Agreed.

Company response to consumer: Closed with explanation