Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX  regarding false late payment reporting, failure to provide reasonable XXXX accommodations, and violations of federal and Pennsylvania consumer protection laws. These actions are causing severe damage to my credit profile and are jeopardizing my pending home mortgage closing. 

Background I am a XXXX individual who relies entirely on verbal communication and accessible support to manage my accounts. In XX/XX/XXXX, I opened XXXX XXXX XXXX XXXXking account and credit card account with full disclosure to bank staff about my XXXX. I requested that all account notifications be delivered in a format accessible to me, including verbal communication or direct phone calls. 

My XXXX XXXXdit card was set to auto-pay from my XXXX XXXXking account. HoweverXXXX XXXX XXXX XXXXsed my checking account without ever notifying me in an accessible way. I never received a call, alert, or notice that the auto-pay arrangement had been disrupted. 

XXXX XXXX of Events XX/XX/XXXX : I attempted to pay my XXXX XXXX card in full ( {$3100.00} ). The payment was returned due to the previously closed XXXX XXXX account which I had not been notified about. 
XX/XX/XXXX : Upon learning of the issue through a third-party notification from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I immediately made another full payment of {$3200.00}, successfully bringing my balance to {$0.00} prior to the due date. 
Despite both payments and prompt correction, XXXX XXXX  reported the payment as late. 



Supporting Evidence Please see the attached payment confirmations from XXXX XXXX, clearly showing : Payment attempted on XX/XX/XXXX for {$3100.00} Final payment processed on XX/XX/XXXX for {$3200.00} These demonstrate my full intent to pay, lack of malice, anXXXX XXXX XXXX internal mismanagement as the root cause. 



Discrimination and Hardship After receiving a credit alert on XX/XX/XXXX, I contactXXXX XXXX XXXX XXXXstomer service. I was : Transferred for over XXXX hours between checking and credit card departments. 
Repeatedly disconnected, denied access, and refused basic information or escalation. 
Refused XXXX accommodations in direct violation of the XXXX. 
Escalated to branch XXXX XXXX ( XXXX, PA location ), who acknowledged the banks internal errors, reversed account charges, and escalated the issue to regional management. 

Despite these actions, XXXX XXXX XXXXrd department refuses to correct the false late reporting. An escalation XXXX named XXXX called me on XX/XX/XXXX, promised a fix, then failed to return any of my follow-up calls or complete the correction. 



Violations XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX late payment caused by its own internal failure and did not provide an adverse action notice. This violates its duty to ensure accuracy in credit reporting. 

XXXX. Americans with XXXX XXXX ( XXXX ), Title XXXX As a XXXX individual, I was denied effective communication, accommodation, and equal access. No accessible notice was ever given regarding account closure or returned payments. 

XXXX. Equal Credit Opportunity Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXXailed to notify me properly and treated me differently due to my XXXX, violating my civil rights under XXXX. 

XXXX. Pennsylvania XXXX Relations XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX conduct constitutes deceptive business practices, failure to disclose material changes to the account, and unreasonable refusal to correct known errors, violating state consumer protection laws.

Company response to consumer: Closed with explanation