Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Late Payment Reporting Under FCRA 15 U.S.C. 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ) ; Request for Immediate Correction or Deletion Account # XXXX To Whom It May Concern : This letter serves as a formal notice of dispute and demand for correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and related statutes. Upon reviewing my personal credit reports furnished by Equifax, Experian, and TransUnion, I have identified inaccurate or unverifiable late payment entries associated with the above-referenced account that I am requesting be corrected or permanently deleted from my credit file.

As the data furnisher of this account, you are legally obligated under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] to ensure that any information you furnish to a consumer reporting agency is accurate and complete. Furthermore, under FCRA 1681e ( b ), the credit bureaus must also maintain reasonable procedures to assure the maximum possible accuracy of the information they report. If any part of the late payment data youve furnished is incorrect, misleading, outdated, or incomplete, it constitutes a direct violation of federal law and must be deleted. 
Therefore, I am demanding that you conduct a full and reasonable investigation into the reporting of the late payments allegedly associated with this account. In accordance with FCRA 1681i ( a ) ( 1 ) ( A ), I request that you verify all records and supporting documentation relied upon when submitting this derogatory data to the credit reporting agencies. You are further required under FCRA 1681s-2 ( b ) to : 1. Conduct an investigation of the disputed information, 2. Review all relevant information provided by the consumer, 3. Report the results of your investigation to the consumer reporting agencies, 4. If the investigation finds the information to be inaccurate, report those results to all nationwide credit reporting agencies, and 5. Promptly modify, delete, or block the reporting of information that can not be verified or substantiated.

To be clear, if you can not verify the exact date, cause, and contractual justification for the late payments being reported, then under FCRA and your duty as a data furnisher, the derogatory payment history must be removed from my credit file in its entirety.

Additionally, if this account is in dispute under any claim of hardship, temporary deferment, or payment arrangement during the reported months, the reporting of late payments while under such an agreement may violate FDCPA 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt. 
Supporting documentation of the error or circumstances affecting this payment history is available upon request. However, the burden of verification lies with you as the furnisher under federal law, not the consumer. 
Failure to properly investigate and correct this information will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Additionally, continued reporting of inaccurate or unverifiable information after formal notice of dispute may result in civil liability under FCRA 1681n and 1681o, including monetary damages and attorneys fees.

Please send written confirmation of the results of your investigation and detail any changes made as a result of this dispute. I expect a response within 30 days from the date of this letter, as required by FCRA 1681i ( a ) ( 1 ) ( A ). If you are unable to fully verify the late payments with complete accuracy and documentation, they must be removed immediately. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation