Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX HIGHWAY XXXX XXXX XXXX, FLORIDA, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB Representative, I am writing XXXX formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ). This inaccurate reporting has negatively affected my credit profile, XXXX I am requesting an immediate investigation into this matter. 
Details of the Disputed Late Payment : Creditor Name : XXXX XXXX Account Number : # XXXX * * * * * * Date of Alleged Late Payment : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I firmly believe this late payment is incorrect. Additionally, I am providing the following supporting evidence : Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ) - XXXX XXXX Code XXXX I am exercising my right under this section XXXX dispute inaccurate information reported on my credit file. The reported late payment does not accurately reflect my payment history, XXXX  I am requesting a formal investigation XXXX correction. 
Truth in Lending Act ( XXXX ) - XXXX XXXX XXXX XXXX ( b ) Creditors must provide clear and accurate billing statements XXXX consumers. If this late payment reporting does not align with the terms of my agreement, it constitutes an error that should be rectified immediately. 
Obligations of XXXX XXXX - XXXX XXXX XXXX XXXX Creditors XXXX furnishers must ensure that the information reported XXXX credit bureaus is accurate. If the creditor can not substantiate the late payment with verifiable documentation, they must remove it from my credit file. 
Requested Action : XXXX a thorough investigation into this dispute XXXX provide a written response within XXXX days as required by law. 
If the late payment can not be verified, instruct the creditor XXXX  update my account status XXXX " XXXX XXXX XXXX, Never XXXX. '' Notify the credit reporting agencies ( XXXX Equifax, and XXXX ) XXXX reflect the corrected information on my credit report. 
Reference XXXX XXXX ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered XXXX, XXXX the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility XXXX commitment XXXX meeting payment obligations. 

I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting XXXX  be rectified promptly. 

If, after a thorough investigation, you are unable XXXX provide verifiable proof of late payments, I demand that the account be promptly updated XXXX  reflect its accurate status as " XXXX XXXX Agreed Never XXXX. '' Per the FCRA, I request that you conduct a timely investigation XXXX provide a written response within XXXX days from the receipt of this dispute letter. 

Failure XXXX adhere to this timeline will be considered a violation of the FCRA. Appreciate your prompt attention XXXX this matter XXXX expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy XXXX fairness of my credit report. 
Failure XXXX properly investigate XXXX  correct this inaccurate information will result in further actions, including a potential escalation XXXX legal authorities for non-compliance with federal consumer protection laws. 
I have enclosed copies of all supporting documents related XXXX  this dispute. Please acknowledge receipt of this complaint XXXX provide a written update on the investigation 's progress within the legally mandated timeframe. 
Thank you for your time XXXX immediate attention XXXX this matter. I look forward XXXX your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation