Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
CFPB Complaint - Violation of the FCRA Regarding Inaccurate and Unverified Delinquency Reports Complainant : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date of Birth : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies : TransUnion, Equifax, Experian Complaint Filed Against XXXX XXXX XXXX XXXX XXXX. 

Summary of Complaint : I, XXXX XXXX XXXX XXXX XXXX, am formally disputing the reporting of multiple late payments ( XXXX and 60 days ) on my XXXX auto loan account-account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported high balance of {$14000.00}, and an open date of XX/XX/XXXX. These defaults appear on all three credit bureaus ( TransUnion, Experian, Equifax ) and are inaccurate, incomplete or unverifiable under the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

FCRA violations cited : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibits furnishers from furnishing information that they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requires providers to investigate disputes, review all relevant information, and correct or delete any unverifiable or inaccurate data within 30 days.

15 U.S.C. 1681i ( a ) : Requires credit rating agencies to conduct a reasonable reinvestigation after receiving a complaint from a consumer.

15 U.S.C. 1681e ( b ) : Obligates CRAs to maintain reasonable procedures to ensure maximum possible accuracy of information.

Basis of Dispute : The payment history for this account reflects four 30-day delinquencies and one 60-day delinquency, spanning several months in XXXX and early XXXX. 
I have not received any billing statements or delinquency notices to substantiate these claims. 
XXXX has provided no documentary evidence that my account was past due beyond the grace periods or that I breached the payment agreement. 
As of the most recent updates, the account is open and current, showing continuous and active repayment. 
Reporting such derogatory markings without a complete and verifiable paper trail is a violation of Metro 2 compliance rules as well as the reasonable inquiry requirement under the FCRA.

Requested Resolution : Initiate a new full investigation under FCRA 1681i and 1681s-2 ( b ) regarding the alleged defaults on this XXXX account. 
If XXXX is unable to provide verifiable billing and payment documentation, I request permanent removal of all 30-day and 60-day delinquency entries from my credit files.

I direct the credit reporting agencies to update their records in accordance with Metro 2 and CDIA standards.

Supporting documents provided : Credit report statement - XXXX  account from TransUnion, Experian and Equifax. 
State of Florida driver 's license - for identity verification Social Security card Address Validation Invoice I request the CFPB 's assistance in enforcing my rights under the FCRA to ensure that only accurate and verified information remains on my consumer credit report. 

Sincerely XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief