Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the inaccurate late payment notations currently appearing on my credit file. These late payment codes are contradictory, unverifiable, and must be permanently deleted. 

On XX/XX/year>, I filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding this same issue. These complaints remain open, and each bureau has admitted to the CFPB that the matter is still under review : CFPB Case No. XXXX Equifax response XXXX still working on your issue. 

CFPB Case No. XXXX Experian response : still working on your issue. 

CFPB Case No. XXXX TransUnion response XXXX still working on your issue. 

Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This XXXX tradeline is being inaccurately reported with a 30-day late payment despite the account being closed and paid in full with a XXXX balance. 

It is not possible under Metro2 reporting standards for a closed and satisfied mortgage account to continue showing new delinquency, yet the bureaus are still coding a 30-day late. This is materially misleading and violates : FCRA 1681e ( b ) : Requires maximum possible accuracy.

FCRA 1681i : Requires deletion of unverifiable data after reinvestigation.

The furnisher has also failed to comply with FCRA 623 by not updating and correcting the tradeline to reflect its true positive status.

Because no billing statements, payment logs, or closing documents have been produced to verify this alleged 30-day late, I demand that this derogatory code be permanently deleted and the account corrected to show a positive, paid status with no late history.

If the bureaus and furnisher can not provide documentary evidence to justify the late mark, the only lawful remedy is to restore the account to a positive status or remove the tradeline in its entirety.

Request for Validation Pursuant to RESPA and FCRA Section 609, I hereby formally request complete validation of the documented tardy payment details associated with each aforementioned account. Specifically, I am seeking : Clear documentation of the delinquent period ( s ) reported.

Proof of the dates of any late payments being reported, including the exact payment dates.

Supporting evidence from the original creditor verifying the accuracy of the reported late payments, including a detailed transaction history for the relevant period. 

If the late payment history can not be verified with credible and up-to-date documentation, I request that the inaccurate late payment entries be removed from my credit report immediately. 

Legal Rights In accordance with RESPA Section 6 ( e ) and FCRA Section 611, I have the right to challenge this data and formally request that you conduct a thorough examination. Should the accuracy of this information not be confirmed within 30 days of receiving this dispute communication, you are legally obligated to eliminate any false or unverifiable details from my credit history.

Enclosures Enclosed are copies of the following documents to verify my identity and facilitate your investigation : A copy of my drivers license A recent utility bill ( proof of current address ) Kindly provide a response within 30 days with the outcomes of your inquiry, including a comprehensive breakdown of the approaches employed to authenticate this data. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief