Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please note I have previously submitted a complaint on this issue, and do not believe the issue was addressed. Simply asking the bank to check the information reporeted does not resolve their failure to provide accurate information on my monthly statement and irresponsible attitude in reporting me for " late payments '' that I had no way of not being late for by the information they provided and did not provide to me. I demand that the CFPB take a close look at the actual situation without directly asking the bank to investigate and then close this complaint after they provide a self-justifying response, which dose not get to the core of the issue. 

I recently experienced a situation where XXXX XXXX XXXX provided false information to me as a consumer, wrongfully reported me for a late payment to credit agencies, and then refused to take any accountability to remedy the situation. I am writing to open a case and request your help in protecting my rights as a consumer, and mandating reforms on the parts of XXXX XXXX XXXX so other consumers do not suffer from the same mistakes. On my XX/XX/year> credit card statement, XXXX XXXX XXXX FALSELY printed that my payment was successfully POSTED on XX/XX/year> and that I have {$0.00} balance on my account ( Picture XXXX & XXXX ). It is widely understood that : A posted transaction is fully processed and finalized, meaning the funds have been moved, and the transaction is permanently recorded. Upon seeing this information, I clearly consider this payment to be completed and there is nothing due on my part anymore. Despite the payment having been reported by XXXX  as POSTED ( and not pending ), the payment somehow bounced 4 days later, which I was completely unaware of as XXXX  failed to inform me that this payment did not go through -- the last info I had on the payment was the monthly statement showing it had posted. They later on alleged that they had sent me a letter communicating this fact, which I NEVER received, and they confirmed that they did not inform me of this fact via any other method. ( It is worth noting that even if I had received this letter they allegedly sent out, I would have by definition been late in this payment by the time I would have received the letter, making it IMPOSSIBLE for me to make this payment on time, seeing that before the payment due date I would not even be aware there was balance to be paid, and by their monthly statement they seemed unaware as well. ) It was only with the next monthly statement on XX/XX/year> that I was informed of a returned payment. Even now, this statement shows a previous balance of {$0.00} and payment due date of XX/XX/year> ( Picture XXXX & XXXX ). In my best attempt to avoid any issues, I immediately made a payment when I noticed this on XX/XX/year> ( Picture XXXX ), well ahead of the stated deadline of XX/XX/year> on this statement, which, again, is the FIRST time Im becoming aware of any payment due on my part. However, XXXX, according to their agents when I later called them to discuss this error on their part, informed me that they already reported this as a late payment on XX/XX/year> to the credit agencies, despite the fact that XXXX  has : XXXX. Provided clearly FALSE and MISLEADING information that payment has been posted in XXXX ; XXXX. FAILED to give any notification of the returned payment, before the late payment date of XX/XX/year>, making it so that it was NOT POSSIBLE for me to make the payment before that time. 

I have had a longstanding and perfect credit history with multiple credit cards and never failed to pay any balance on time ( and I pay in full with automatic payment each month, regardless of the amount due, which is generally much larger than this $ XXXX balance on this XXXX  credit card ). There was significant harm to my credit score caused by XXXX false information on their monthly account statements, and failure to notify me of any payment issues and inaccurate reporting of my late payment. 

I have spoken with multiple XXXX  agents who stated that they understood my situation but refused to provide a fix directly on their part or provide an explanation for what I could have possibly done given the situation ( where I have not been made aware of any " late payment '' that was due! ) My previously complaint has been closed as soon as XXXX insisted that they followed the right " reporting practices '', without at all providing a response on their oversight, mistakes and what it is that I could have possibly done as a consumer to not be in this situation, given that they themselves did not provide me with any accurate statement, payment and balance information. 

My rights as a consumer have been duly violated by Bank XXXX XXXX, who provided false information on their account statements, failed to provide timely notifications of these payment issues, reported me unfairly for late payments to credit agencies damaging my score, and failed to take any accountability in rectifying any of the above situation. I demand that the CFPB get closer to the situation this time without closing the case by requesting simply a self-investigation from XXXX, which has continued to evade responsibilities. 

I have also tried to submit a complaint to the credit reporting agencies in the hopes of resolving the situation but have not received a satisfactory resolution. Alternatively, if XXXX  continues to refuse to correct the error, I hope the credit reporting agencies can directly take a look at the evidence provided themselves and consider my holistic credit history and the situation described to recognize that I made payments as soon as I could with information available to me, and make the fair adjustments to my credit scores by removing the " late payments ''. 

Thank you!

Company response to consumer: Closed with explanation