Consumer complaint received 2025-10-15 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:
I am filing a formal complaint against Equifax,XX/XX/XXXXandXX/XX/XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXXXX/XX/XXXX. Despite multiple written requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, constituting a violation of multiple federal statutes, including the Fair Credit Reporting Act ( XX/XX/XXXX ) and the Truth in Lending Act ( XX/XX/XXXX). 
Violations Committed : Fair Credit Reporting Act (XX/XX/XXXX) Violations : Under 15 U.S. CXX/XX/XXXXe XXXXb, creditors must send periodic statements at leastXX/XX/XXXX days before the payment due date. The continued reporting of this inaccurate late payment demonstrates a failure to comply with this requirement. 
15 U.S. CXX/XX/XXXXe XXXXi mandates that credit reporting agencies ensure the accuracy of consumer credit files. In my case, this obligation has not been upheld. 
15 U.S. CXX/XX/XXXXe XXXX ( b ) requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy in credit reports. 
15 U.S. CXX/XX/XXXXe XXXX ( d ) ( XXXX ) ( A ) ( XX/XX/XXXX) states that certain transactions and experiences should not be considered part of a consumer report if they do not meet specific criteria. 
Truth in Lending Act ( XXXX ) Violations : The XX/XX/XXXX emphasizes the necessity of accurate and timely disclosures to consumers. The wrongful reporting of a late payment has damaged my creditworthiness, causing undue financial harm. 
Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S. CXX/XX/XXXXe XXXX, 15 U.S. CXX/XX/XXXXe XXXX, and 15 U.S. CXX/XX/XXXXe XXXX require financial institutions to protect consumer privacy and ensure the accuracy of financial reporting. The mishandling of my credit information suggests a failure to meet these obligations. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act holds creditors accountable for providing timely statements and preventing unfair penalties. The continued presence of this late payment on my report contradicts this protection. 
Identity Fraud and Misreporting - XXXX XXXX CXX/XX/XXXXe XXXX : The continued reporting of false information could be classified as a misrepresentation of identity or fraudulent reporting, which carries legal consequences under federal law. 
Formal Request for Correction : I formally demand the immediate removal of the inaccurate late payment notation from my credit report. 
If this issue is not resolved immediately, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Reference to XXXX ( Paid As Agreed Never Late ) : The terms of our agreement have always been met, and the account in question must reflect the status of " Paid As Agreed, Never Late. '' I request documented proof supporting the claim of late payments, including : Dates, amounts, and all communication records indicating that the payments were actually late. 
In the absence of valid proof, I expect an immediate correction of my credit report. 
If, after investigation, you fail to provide verifiable proof of late payments, I demand that the account be updated immediately to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I expect a timely investigation and a written response within XX/XX/XXXXdays from the receipt of this dispute letter. Failure to comply will be considered a direct violation of multiple federal laws. 

XXXX XXXX Errors and Discrepancies TransUnion : Reports XXXX-day lates for XXXX XXXX, while the account shows Closed, Transferred, and Current with {$0.00} balance. 


XX/XX/XXXX : XXXX XXXXday lates for XXXX XXXX, inconsistent with Current payment status and transfer remarks. 


Equifax : Reports XXXXday late for XX/XX/XXXX, despite showing Closed, Current, and {$0.00} past-due. 


Discrepancy : Different late-payment months across bureaus ; account reflects on-time payments and transfer to another lender. 


Error : Late payments reported after transfer inaccurate, inconsistent, and misleading reporting. 
Resolution Requested : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Acknowledgment of compliance with federal laws. 
I trust that you will promptly rectify this issue and ensure my credit report reflects accurate information.

Company response to consumer: Closed with explanation