Consumer complaint received 2025-09-14 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Return Receipt Requested Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : FCRA 609 & 611 Request for Verification, Payment Records, and Documentation XXXX XXXX XXXX Account To Whom It May Concern, This letter is a formal request under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( 609 ) and 15 U.S.C. 1681i ( 611 ), regarding an account being reported inaccurately on my Equifax credit file : Creditor : XXXX XXXX XXXX  Reported Status : Late Payment I dispute the accuracy of the late payment information being reported. I have never been late on making payments on this account which is allegedly owned by me. Therefore, I am demanding full verification and supporting documentation as required by law. 

My Specific Requests ( Authorized by Law ) Pursuant to FCRA 609 ( a ) ( 1 ) ( A ) & ( 2 ), I am requesting : The complete method of verification Equifax used to determine the accuracy of the late payment reporting. 

The name, address, and contact information of the furnisher ( XXXX XXXX XXXX  ) who verified this information. 

Complete payment records and account statements relied upon to report this late payment, including account ledgers or transaction histories showing the alleged delinquency. 

Copies of any signed agreements, contracts, or acknowledgments between myself and XXXX XXXX XXXX  that support the reporting of this late payment. 

The dates, times, and names of any representatives Equifax communicated with at XXXX XXXX XXXX  concerning this account, as well as a copy of the documentation provided by XXXX XXXX XXXX  that Equifax relied upon to claim a late payment occurred. 

That all requested documents and verification materials be sent to me by trackable mail ( USPS Priority/Certified, XXXX, XXXX XXXX  ). 

If these requested documents are not provided and the erroneous information continues to be reported on my credit report, I will sue your company for violating my rights under federal law. 

Demand ( Pursuant to FCRA 609 ) Under 15 U.S.C. 1681g ( 609 ), I formally demand the following : A complete 609 Letter File containing all information in my credit file concerning this account. 

The original signed application or contract for this account. 

All dates, sources of information, full payment history, and account status reports related to this account. 

All written communication between Equifax and XXXX XXXX XXXX  concerning this account. 

Time Frame for Response ( FCRA 611 ( a ) ( 1 ) ( A ) ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must complete a reinvestigation and provide the results of this dispute within 30 days of receiving this letter. 

Requirement to Delete or Correct if Unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) If Equifax can not verify this account with proper documentationsuch as original payment recordsthen by law, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Equifax must promptly delete [ or modify ] that item of information from the file of the consumer. In this case, the account must be updated to Pays as Agreed and the late payment removed. 

Penalties for Noncompliance 15 U.S.C. 1681n ( FCRA 616 ) : Willful noncompliance entitles me to actual damages, punitive damages, costs, and attorneys fees.

15 U.S.C. 1681o ( FCRA 617 ) : Negligent noncompliance entitles me to actual damages, costs, and attorneys fees. 

If Equifax fails to provide the above-requested documentation by trackable mail and continues to report this account as late without evidence, I will file a lawsuit against Equifax in federal court for violation of the FCRA. 

Summary of My Demand Provide all requested records, communications, and payment documentation within 30 days as required by FCRA. 

If you can not verify the account with proper documentation, you must delete or correct the account immediately so that it reflects Pays as Agreed with no late payment history. 

If you continue to report unverifiable information or fail to send verification by trackable mail, I will pursue all remedies available under federal law, including filing a lawsuit. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation