Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Inaccurate Late Payments Reported by XXXX XXXX XXXX on Credit Report ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding inaccurate and damaging late payment reporting by XXXX XXXX XXXX on a credit card account that currently reflects a balance of {$17000.00}. This account is inaccurately reporting late payments for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These reported lates are being submitted in error. I have maintained a long-standing positive credit history with XXXX XXXX and XXXX credit card products, all of which show a pattern of responsible management. I have never had a late payment on this account or any other XXXX account, either now or in the past. My banking and payment records will confirm consistent, on-time payments. 
Applicable FCRA and Consumer Protection Violations : XXXX. 15 U.S.C. 1681i Reinvestigation of Disputed Information Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and remove it if it can not be verified within 30 days. 

XXXX. 15 U.S.C. 1666b Timely Credit Card Payments Requires that credit card payments received before the due date and cutoff time be credited promptly. If a payment is mishandled or misapplied by the creditor or CRA, it can not legally be reported as late. 

XXXX. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of information in a consumers file. Reporting inaccurate late payments violates this obligation. 

XXXX. 15 U.S.C. 1681n & 1681o Civil Liability for Noncompliance Permits legal action for willful or negligent noncompliance, including statutory, actual, and punitive damages, as well as attorney fees. 

Supporting Evidence Available : Bank account and credit card statements confirming timely payments Payment confirmations for the months in question History of other XXXX XXXX accounts with perfect payment records I have already initiated disputes with the credit bureaus and XXXX now requesting that the CFPB conduct a full investigation into this matter to ensure my rights under federal law are enforced. 

Requested Relief : I respectfully request that the CFPB : XXXX. Investigate the inaccurate late payment reporting by XXXX XXXX XXXX XXXX. Determine whether XXXX XXXX can properly verify the accuracy of these reported lates XXXX. XXXX XXXX XXXX and the credit reporting agencies to permanently delete the late payment notations for XX/XX/XXXX through XX/XX/XXXX XXXX. Ensure XXXX XXXX and any CRA involved are held accountable for noncompliance with the FCRA These inaccurate late payments have caused significant damage to my credit profile and reputation as a responsible borrower. I trust the CFPB will take appropriate action to protect my consumer rights and restore the accuracy of my credit history. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation