Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX D.O.B : XX/XX/XXXX SSN : XXXX Consumer Financial Protection Bureau ( CFPB ) Experian - Trans Union -Equifax RE : XXXX Formal Complaint Inaccurate and Misleading Late Payment Reporting During XXXX Pandemic Request for Full Deletion To Whom It May Concern, I am submitting this third formal dispute and complaint to the Consumer Financial Protection Bureau regarding inaccurate and harmful late payment notations being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese derogatory marks continue to reflect negatively on my consumer credit profile despite the following : A flawless, consistent payment history over the past XXXX years Active and open accounts in good standing Official documentation from XXXX XXXX XXXX XXXX confirming no late payments or delinquencies existed during the time in question The impacted time frame aligning directly with the global XXXX pandemic, when extraordinary legal protections were in place for consumers XXXX. XXXX XXXX  Context and CARES Act Compliance : The late payments in question allegedly occurred during a time of national emergency ( XXXX ), when the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was enacted. Under the CARES Act, the Fair Credit Reporting Act ( FCRA ) was amended as follows : CARES Act FCRA Amendment ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ) : If a creditor makes an accommodation for a consumer affected by XXXX ( such as deferral, forbearance, or payment plan ), and the account was current prior to the accommodation, the account must continue to be reported as current during the accommodation period. 

Given that I was neither past due nor notified of any default, and XXXX XXXX own records confirm I was in good standing, any late payment reporting under those circumstances is not only inaccurate its unlawful.

2. Credit Reporting Violations : Both XXXX XXXX XXXX XXXX and XXXX XXXX appear to be in violation of multiple federal regulations : FCRA 1681e ( b ) Failing to ensure the maximum possible accuracy of furnished information FCRA 1681i ( a ) Not completing a reasonable investigation into disputes FCRA 1681s-2 ( a ) Furnishing information known to be false or misleading FCRA & CARES Act Provisions Ignoring mandated consumer relief guidelines during the declared national emergency 3. Documentation Provided : XXXX XXXX XXXX XXXX stating no fees were due, and no payments were missed at the reported time and submitted bank statements corresponding actual facts. 
My XXXX  XXXX account was also in compliance, and no formal default notices were ever received. 
All accounts remain open, active, and in good standing. 
I have maintained perfect payment history across all primary accounts for over XXXX  years.

4. Harm Caused : Due to this inaccurate reporting, I am suffering substantial, measurable harm : Loss of home financing and business lending opportunities Increased interest rates due to artificially lowered credit score Denial of fair and equal credit access, in violation of the Equal Credit Opportunity Act ( ECOA ) 5. Requested Resolution : I am respectfully demanding the following : 1. Full deletion of all inaccurately reported late payments from XXXX XXXX XXXX XXXX and XXXX XXXX from all major credit bureaus ( Experian, Equifax, TransUnion ) 2. A detailed explanation of the investigation and how each creditor verified the accuracy 3. Disclosure of all e-OSCAR and XXXX  codes used to communicate this information 4. Reissuance of corrected credit information to all bureaus Final Notice : If unresolved, I will escalate further to the FTC, Office of the Comptroller of the Currency, and consider civil legal action under FCRA and ECOA statutes for continued noncompliance and reputational damage. 

I appreciate your immediate attention to this matter and request a written response within the 30-day timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation