Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint as a formal follow-up to a billing error dispute I originally submitted over 35 days ago. The dispute concerns the inaccurate reporting of late payments on my credit report. Despite exercising my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), the disputed accounts still reflect inaccurate information, and I have not received the legally required documentation to support the negative reporting. 

This dispute is submitted by me personally and not through a third party. 

Disputed Accounts Late Payment ( Open ) Creditor : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) Creditor : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Late Payment ( Open ) Creditor : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations and Basis of Dispute The disputed accounts are being reported with late payments that I believe are inaccurate due to the following billing errors under 15 U.S. Code 1666 ( b ) : Failure to properly reflect a payment or credit, Errors in the creditors accounting or billing process, Lack of proper advance notice ( minimum 21 days ) before assessing late fees or reporting a delinquency. 

Under the FCRA and FCBA, furnishers and credit reporting agencies are required to provide documentary evidence to verify any information reported as negative. I have not received such evidence in response to my original dispute. Therefore, the continued reporting of these late payments violates my rights under : 15 U.S.C. 1666 ( b ) Billing Error responsibilities, 15 U.S.C. 1681i ( a ) Duty to conduct a reinvestigation, 15 U.S.C. 1681e ( b ) Duty to maintain accurate credit reporting, 15 U.S.C. 1681i ( a ) ( 7 ) Requirement to provide method of verification. 

Requested Resolution I request that the credit reporting agency and the creditor ( s ) : Conduct a full reinvestigation of the accounts listed, Provide a detailed method of verification, including : Description of all steps taken, Name and contact information of the party who verified the data, Copies of documents relied on to confirm the alleged late payments, Correct or delete any information that can not be verified, Provide written confirmation of the resolution in accordance with federal law. 

Additional Enforcement Notice I am also forwarding this dispute and unresolved matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX ( XXXX  ) Georgia State Attorney Generals Office If this issue is not resolved within the legally required timeframe, I am prepared to pursue further legal remedies for negligent and/or willful noncompliance under : 15 U.S.C. 1681n Civil liability for willful violations, 15 U.S.C. 1681o Civil liability for negligent noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief