Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate payment history being reported across multiple accounts on my credit file. After reviewing my report, I identified several payment history errors that I believe constitute billing errors, as defined by 15 U.S.C. 1666 ( b ) of the Truth in Lending Act.

These accounts have reported late payments that I do not recognize. I have consistently paid on time and never received proper billing statements in advance, as required by law. This complaint is being submitted after a good-faith effort to resolve the matter directly.

Legal Grounds for the Complaint Per 15 U.S.C. 1666 ( b ), the following billing errors appear to have occurred : Section 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit on a statement.

Section 1666 ( b ) ( 5 ) : Accounting or calculation errors made by the creditor.

Additionally, I did not receive billing statements at least 21 days prior to the payment due dates, which is a legal requirement. As such, the reporting of late payments is unjustified. 

Accounts in Dispute Each of the following accounts is being disputed due to inaccurate late payment reporting that appears to violate billing error protections under 15 U.S.C. 1666 ( b ) : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Issue : Reported late payment ; never paid late. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Reported late payment ; always paid as agreed. 

XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate late payment ; never received a proper statement. 

XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Billing error ; payment made on time. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Issue : Misreported delinquency ; always paid on time. 

XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate history ; no proof of lateness provided. 

XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late payment inaccurately reported ; billing error suspected. 

Requested Resolution I am requesting the following actions from the CFPB and the credit reporting entities involved : A full reinvestigation of all the accounts listed above. 

Removal or correction of any late payment records that can not be verified with documentary evidence. 

Provision of documentation showing I was actually late. If such proof can not be provided, I request that the payment history be updated to show Paid on Time.

Additional Action This is a formal notification that I am also submitting this matter to : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX My State Attorney General The continued reporting of inaccurate and unverifiable information is harmful and violates my rights under federal consumer protection laws. 

Conclusion I expect a full and fair investigation in compliance with the Fair Credit Reporting Act and Truth in Lending Act. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation