Consumer complaint received 2025-11-26 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:
* * RE : FORMAL NOTICE OF DISPUTE DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENTS XXXX  XXXX Account Reported Late for XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Violations of FCRA, GLBA ( 15 U.S. Code 68016809 ), Regulation Z, and Metro 2 Standards * * To Whom It May Concern : I am formally disputing the accuracy and legality of the late payments reported on my XXXX  XXXX account for XX/XX/XXXXXXXX  and XX/XX/XXXX. These entries violate the FCRA, GLBA, Regulation Z, and Metro 2 data integrity standards. 
This is official legal notice that the XXXX XXXX account in question has been on automatic payments for the last five ( 5 ) years, making the reporting of any late payment impossible, inaccurate, unverified, and unlawful. 
XXXX XXXXXXXX FCRA Violations 1. FCRA 1681e ( b ) Maximum Possible Accuracy You are required to ensure maximum possible accuracy. 
Reporting a late payment on an account that has been on auto-pay for five consecutive years is a clear violation of this requirement. 
2. FCRA 1681i Reinvestigation Requirements Upon receipt of this notice, you must conduct a reasonable, good-faith, fully documented reinvestigation.

If XXXX XXXX can not provide timestamped payment logs disproving the continuous auto-pay status, the entries must be deleted immediately. 
XXXX XXXX GLBA ( Gramm-Leach-Bliley Act ) Violations 15 U.S. Code 6801 & 6802 Duty to Protect Nonpublic Personal Information Your documented data breaches compromised my personal financial information across all three bureaus, calling into question the integrity of any derogatory data you now publish. 
15 U.S. Code 6809 Nonpublic Personal Information Because my data was compromised, your inaccurate late-payment reporting violates federal privacy and consumer protection laws. 
XXXX XXXX XXXX III. Regulation Z / TILA Violations ( 15 U.S. Code 1666b & 1637b ) * * 1666b Timing of Payments Payments must be applied as of the date received. 
Because my account has been on auto-pay for five years, any claim of late payment can not meet the statutory burden for accuracy.

1637b Documentation & Disclosure Requirements XXXX XXXX must provide full documentation showing : Payment history Auto-pay settings System logs Internal servicing notes Payment receipt timestamps Without these, the bureaus may not lawfully report any delinquency.

XXXX  XXXX. Metro 2 Compliance Violations Under Metro 2 standards : An account on verified auto-pay can not be furnished as past due Any disputed information the furnisher can not fully verify with documentation must be deleted, not updated Data integrity rules require complete accuracy of Payment Rating, Account Status, and Date of First Delinquency Because XXXX XXXX can not validate a late payment on a 5-year auto-pay account, the only lawful action is deletion. 
XXXX  V. LEGAL DEMAND FOR CORRECTION I formally demand : Immediate deletion of the following inaccurate entries : XXXX  XXXX Late Payment XX/XX/XXXXXXXX  XXXX  XXXX Late Payment XX/XX/XXXXXXXX  If these entries are not removed within 4 days, I will pursue civil and regulatory actions including : A complaint with the CFPB, FTC, and State Attorney General Claims for willful and negligent violations under FCRA 1681n & 1681o GLBA privacy-breach claims Legal action in court seeking statutory and punitive damages XXXX

Company response to consumer: Closed with non-monetary relief