Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 
Inaccurate Information Dispute : XXXX : Account number : XXXX, I dont recall being late. 
Reason for Dispute : These accounts have not been properly verified or validated. Please update the payment status to paid as agreed, never late.

Legal Definition of a Credit Card and Applicability of 15 USC 1666b : According to the Truth in Lending Act ( 15 U.S. Code 1602 ( k ) ), a " credit card '' includes any card, plate, or other credit device used to obtain money, property, labor, or services on credit. My Social Security card qualifies as a " credit device '' under this definition and was used to open the accounts associated with the disputed late payments. As such, 15 USC 1666b applies, which prohibits creditors from treating payments as late if they were not properly processed. The late payments reported on my credit file were inaccurately processed, and these entries should be removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court ruled that providing mere account statements is not sufficient proof of a late payment. To validate such claims, creditors must provide the following : 1. Complete Internal Payment Records : Logs showing when my payments were processed and any errors or delays that may have occurred.

2. Proof of Proper Billing Practices : Documentation demonstrating that my payments were processed according to the agreed-upon terms.

3. Evidence of Communication : Any correspondence between the creditor and myself regarding the alleged late payments.

I have previously requested this documentation, and the creditors have failed to provide it. As a result, these late payments are unsubstantiated and should be deleted from my credit report. Your agency is obligated to hold these creditors accountable for their failure to provide verification.

Frazier v. Equifax Information Services, LLC ( 2024 ) : In XXXX XXXX Equifax Information Services, XXXX ( XXXX ), the court ruled that credit reporting agencies can be held accountable for continuing to report inaccurate late payments after a dispute. Equifax was found in violation of the FCRA for failing to conduct a reasonable reinvestigation. In my case, your agency must ensure a proper reinvestigation is conducted, and if the creditors fail to provide adequate validation, the late payments must be corrected. 
XXXX XXXXXXXX XXXX XXXX Equifax, and XXXX XXXX XXXXXXXX ) : In XXXX XXXXXXXX XXXX XXXX Equifax, and XXXX XXXX XXXX ), the court emphasized the obligation of credit bureaus to thoroughly investigate disputes and remove inaccurate late payment entries. Given the failure of the creditors in my case to provide proper validation, your agency must act swiftly to remove these late payments and update my account to paid as agreed, never late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), all three credit bureaus were sued for failing to remove disputed late payments, even after the consumer provided clear evidence of inaccuracy. Your agency must ensure that creditors comply with verification requests, and in this instance, failure to do so warrants immediate deletion of the late payments from my report. 
Maximum Possible Accuracy Standard : Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), your agency is responsible for ensuring the maximum possible accuracy of the information you report. These inaccurate late payments violate this standard, and I demand that you update the accounts to reflect the correct status of paid as agreed, never late.

Company response to consumer: Closed with explanation