Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXXXXXX XXXX  XXXX, IA XXXX Subject : CFPB Late Payment Removal - Final Request Dear CFPB Representative, I am filing a formal complaint against Equifax, XXXX and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX XXXX XXXX XXXX XXXX XXXX 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 ( FCRA ) and the Truth in Lending Act ( TILA ). 
Violations Committed : Fair Credit Reporting Act ( FCRA ) Violations : Under XXXX XXXX Code XXXX, creditors must send periodic statements at least XXXX days before the payment due date. The continued reporting of this inaccurate late payment demonstrates a failure to comply with this requirement. 
XXXX XXXX XXXX XXXX mandates that credit reporting agencies ensure the accuracy of consumer credit files. In my case, this obligation has not been upheld. 
XXXX XXXX XXXX XXXX ( b ) requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy in credit reports. 
XXXX XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) 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 TILA 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 : XXXX XXXX Code XXXX, XXXX XXXX Code XXXX, and XXXX XXXX Code XXXX require XXXX 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 XXXX 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 PAANL ( 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 XXXX days from the receipt of this dispute letter. Failure to comply will be considered a direct violation of multiple federal laws. 

Errors and Discrepancies Identified : Inconsistent Late Payment Reporting : Equifax reports a XXXX late payment for XX/XX/XXXX. 


TransUnion and Experian both report on-time payments for that same month. 
This discrepancy violates the FCRAs requirement for accurate and consistent reporting across bureaus. 


Account is Current and Paid On Time : All XXXX bureaus report the account as Current, Open, with a {$0.00} past due amount. 


Last payment on record was made recently and the payment amount is consistent ( {$200.00} ). 
Late payment is not supported by the accounts status or payment activity. 


Same Account Details Across All Bureaus : All bureaus confirm identical high balance ( {$5500.00} ), payment amount, and account type ( unsecured loan ). 
Payment history should also be identical, which it is not. 


Dispute Previously Resolved : Remarks show Dispute resolved consumer disagrees, indicating a past issue already challenged. 
Late payment mark should not remain if already reviewed and unsupported. 
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. Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation