Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
NOTICE OF CONTINUED INACCURATE CREDIT FURNISHING AND DEMAND FOR IMMEDIATE Deletion XXXX XXXX XXXX : XXXX Resolution / XXXX XXXX Compliance Re : Auto Loan Account No. See AttachedCapture ( XXXX ) XXXX FORMAL NOTICE This letter serves as formal notice that XXXX XXXX XXXX continuing to furnish materially inaccurate credit information in violation of the Fair Credit Reporting Act ( FCRA ), despite prior disputes, documentary evidence, and CFPB notice. 



The inaccuracies described below are not a matter of interpretation. They are contradicted by XXXX XXXX own written agreement. 

STATEMENT OF FACTS ( UNDISPUTED ) On XX/XX/XXXX, XXXX XXXX executed a written Extension Agreement for the above-referenced account. 
Under the Extension Agreement : The affected payments were formally deferred The deferred payments were added to the end of the loan term No payment obligation existed during the deferment period Despite this agreement, XXXX XXXX reported late payments for : XX/XX/XXXX XX/XX/XXXX A payment was made on XX/XX/XXXX, further confirming that the account was not delinquent for XXXX. 
I disputed this inaccurate reporting directly and through the Consumer Financial Protection Bureau ( CFPB ) and provided : The Extension Agreement Payment history Credit reports reflecting the late notations XXXX XXXX failed to correct or delete the inaccurate late payment reporting and instead continued furnishing the same information. 




These facts are documented and not contested. 








LEGAL VIOLATIONS XXXX. Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A payment that is not contractually due can not be late. Reporting deferred payments as delinquent is factually inaccurate. 








XXXX. Failure to Conduct a Reasonable Investigation After Notice 15 U.S.C. 1681s-2 ( b ) After receiving disputes and CFPB notice, XXXX XXXX XXXX legally required to : Review all relevant information Consider the Extension Agreement Correct or delete inaccurate information Reliance on automated verification while ignoring documentary evidence does not constitute a reasonable investigation under the FCRA. 








XXXX. Violation of Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) Information that is technically verified but contractually false or misleading fails the FCRAs accuracy standard. 








XXXX. Improper XXXX XXXX Credit Reporting Under XXXX XXXX reporting standards, which XXXX XXXX is contractually obligated to follow : Accounts in a formal extension or deferment Must not be reported as delinquent Must be coded as deferred/extended Reporting late payments during a deferment period is improper furnishing. 








XXXX. XXXX XXXX XXXX XXXX can not : XXXX a deferment Extend the loan Accept the agreement Then retroactively penalize the consumer for non-payment The written agreement controls. 








DEMAND FOR IMMEDIATE ACTION Because XXXX XXXX can not lawfully verify a late payment where no payment was due, I hereby demand : Immediate deletion of the XX/XX/XXXX and XX/XX/XXXX late payment entries from all credit reporting agencies Correction of the account to reflect no delinquency during the extension period Written confirmation of deletion and correction Continued furnishing of this information constitutes ongoing FCRA violations and ongoing consumer harm. 








ENCLOSED EVIDENCE XXXX XXXX Extension Agreement ( dated XX/XX/XXXX ) Payment history ( highlighting XX/XX/XXXX payment ) Credit reports showing inaccurate late payment notations Prior CFPB complaint and XXXX XXXX response NOTICE OF PRESERVATION Please preserve all records related to : Credit reporting Dispute investigations Internal notes Automated verification processes Communications regarding this account It is a demand for correction of verifiably inaccurate data. 



If XXXX XXXX contends that these late payments are accurate, it must produce written evidence establishing that a payment obligation existed during the deferment period. Absent such evidence, deletion is required. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation