Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear [ Credit Reporting Agency Name ], I am writing to formally dispute the inaccurate reporting of late payments on my credit report associated with account number [ insert account number ]. This account has been incorrectly reported with a status of 180 days late without any preceding entries for 30, 60, 90, or 120 days. This misrepresentation has caused significant harm to my credit profile, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and relevant Uniform Commercial Code ( UCC ) provisions. 

# # # Inaccuracies in Reporting 1. * * Lack of Proper Delinquency Reporting * * : Under * * 15 U.S.C. 1681s-2 * *, furnishers must report accurate information, including the date of first delinquency ( DOFD ). The absence of proper delinquency status violates * * 15 U.S.C. 1681c * *, which mandates accurate reporting of delinquencies. The failure to report appropriate intermediate statuses ( 30, 60, 90 days ) misleads consumers and violates the law.

2. * * Failure to Provide Notice of Negative Information * * : As per * * 15 U.S.C. 1681s-2 ( a ) ( 7 ) * *, furnishers are required to provide notice before reporting negative information. I did not receive any notification regarding this alleged delinquency, constituting a violation of my rights.

3. * * Non-compliance with Payment Timing Requirements * * : According to * * 15 U.S.C. 1666b * *, creditors can not treat a payment as late unless they have adhered to the requirement to send periodic statements at least 21 days prior to the due date. I have not received such statements, and thus, the late payment notation is unjustified.

4. * * Method of Verification * * : The reporting agencies have not provided the original documents required under * * Rule 1002 * * and * * 15 U.S.C. 1681s-2 ( b ) * *. Without these originals, there can not be legitimate late payments reported. I expect you to conduct a thorough investigation, reviewing all dispute information, as legally required. 

5. * * Potential Misuse of Electronic Reporting Systems * * : The submission of inaccurate data through the e-OSCAR system and any misleading electronic communication raises concerns of wire fraud. I demand a complete review of how this data was submitted and the legitimacy of the information presented. 

# # # Request for Action Given these discrepancies, I request the following actions : - Conduct a comprehensive investigation into the disputed late payments.

- Remove any inaccurate information from my credit report, including the erroneous 180-day late status.

- Provide documentation that supports any late payment claims, including the date of first delinquency and original statements.

- Cease all debt collection efforts and communication regarding this account until the investigation is complete, in accordance with * * FDCPA 1692c * *. 

I expect a written response within 30 days, as stipulated under the FCRA, confirming receipt of this dispute and detailing the actions taken. Please note that I am also keeping records of all correspondence in case further legal action is necessary. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation