Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Re : Formal Dispute and Demand for Removal of All Late Payments under 15 U.S.C. 1666b To Whom It May Concern, This letter is a formal dispute pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1666b, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. I am demanding the immediate deletion of all reported late payments appearing on my consumer credit report associated with account ( s ) listed below, as the reporting of these delinquencies is inaccurate, incomplete, and legally impermissible.

Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has provided a reasonable amount of timenot less than 21 daysfrom the date of mailing or delivery of the billing statement before a payment due date. If the creditor failed to provide sufficient time, any late fee, penalty, or derogatory credit reporting is not only invalid but also a direct violation of federal law. 

Furthermore, even when due dates are disclosed, the burden of proof lies with the furnisher to demonstrate that the billing statement was delivered timely and properly, and that the reported late payment was accurate. In the absence of full documentation showing compliance with the delivery and timing requirements of 1666b, any derogatory information must be immediately removed.

The continued reporting of these late payments is harming my credit reputation, suppressing my credit score, and impairing my ability to obtain credit, employment, and housing. These actions are not only unjustifiable but legally actionable. I will not hesitate to pursue all available legal remedies if this matter is not resolved immediately. 

Legal Precedent : In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ), the court confirmed that credit furnishers have a duty under the FCRA to conduct a meaningful investigation into disputed information. Failure to correct inaccuracies once notified constitutes willful noncompliance, as addressed in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). 

Demand : 1. Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX. Provide written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported.

3. Provide the documentation you are relying on that proves your compliance with 15 U.S.C. 1666b, including billing statement delivery dates and postmark evidence. 

Please consider this letter a direct dispute under 15 U.S.C. 1681i ( a ) and a formal notification under 15 U.S.C. 1681s-2 ( b ). Failure to comply with your obligations may result in civil liability under 15 U.S.C. 1681n and 1681o, which allow for actual damages, statutory damages, punitive damages, attorneys fees, and costs. 

I am giving you 15 days from receipt of this letter to respond in writing and to remove the late payments. A copy of this letter will be retained for legal purposes. 

Sincerely, XXXX XXXX XXXX last XXXX : XXXX

Company response to consumer: Closed with non-monetary relief