Consumer complaint received 2025-06-25 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:
CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Issue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting.

Despite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. 

Violations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation.

FCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified.

FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done.

TILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act.

12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as " disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. 

Additional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. 

XXXX : Payment status Current, Remarks Consumer disputed account, No late history.

Equifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. 

This inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws.

Desired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. 

Correction and synchronization with XXXX and XXXX records.

Written confirmation from Equifax acknowledging the correction.

Review and enforcement of compliance obligations by CFPB.

Please investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.

Company response to consumer: Closed with non-monetary relief