Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Re : Follow-Up Dispute & Demand for Immediate Correction of Inaccurate Reporting Account : XXXX XXXX ( last XXXX digits : XXXX ) / Account XXXX XXXX To Whom It May Concern : This is a XXXX  and URGENT demand arising from your continued, willful, and unlawful inaccurate reporting of alleged late payments on my XXXX account XXXX XXXX XXXXXXXX ). You were put on notice of these disputes previously ( see prior dispute dated XX/XX/XXXX ), yet you have taken no meaningful corrective action despite your own admission that a late fee was wrongfully charged. 

FACTS AND ADMISSIBLE PROOF My account was opened XX/XX/XXXX and, until your misconduct, my payment history has been perfect. 

Your XX/XX/XXXX statement ( attached ) shows a line item REFUND OF LATE FEES in the amount of - {$15.00}, producing a negative new balance and a minimum payment instruction of DO NOT PAY. This refund is an admission that any alleged late fee ( XXXX ) were improper. ( See attached : Refund letter XXXX XXXX and XXXX XXXX XXXX. ) Nevertheless, falsely adverse tradelines remain on my credit reports including but not limited to a reported XXXX late in XX/XX/XXXX, a XXXX late in XX/XX/XXXX, and a XXXX late in XX/XX/XXXX despite my formal dispute ( XXXX ). Adding a XX/XX/XXXX late after my dispute was submitted is especially egregious and appears retaliatory. 

I never made a late payment on this account. Your records and the refund prove the alleged delinquencies are false. 

LEGAL BASES FOR DEMAND Your continuing conduct violates multiple federal statutes and applicable state law, including but not limited to : FCRA 15 U.S.C. 1681 et seq., including 1681s-2 ( b ) : upon notice of a dispute you are required to conduct a reasonable investigation and promptly correct and notify the CRAs of any inaccuracy. Your refund is an admission of inaccuracy ; your failure to delete/update the furnishings is a breach, exposing you to statutory and punitive damages under 1681n & 1681o.

FCBA / TILA 15 U.S.C. 1666 et seq. : the refunded late fee is a billing error ; you must correct billing errors and any related credit reporting in the required timeframes. 
FDCPA 15 U.S.C. 1692 et seq. : Misrepresenting the status of a debt is a deceptive practice actionable under the statute ( as applicable to XXXX and furnishers engaged in misleading reporting or collection activity ). 
XXXX XXXX XXXX Laws ( e.g., XXXX. XXXX if applicable ) : your pattern of inaccurate reporting and failure to correct may constitute unfair and deceptive practices subject to treble damages and attorneys fees. 
Other Remedies : CFPB, FTC and state regulator complaints are available for your systemic failures. 

DEMANDS ACTION REQUIRED WITHIN XXXX BUSINESS DAYS Because the refund proves the alleged lates were erroneous, you must immediately take the following corrective actions no later than XXXX ( XXXX ) business days from your receipt of this letter : Permanently delete all adverse late-payment tradelines related to this account from your internal records and instruct Equifax, Experian, and TransUnion to remove the false late-payment notations ( including the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX entries ) and to update the account to show accurate status and payment history. 

Provide me with written confirmation ( mailed and emailed ) that the deletions/corrections have been completed, including the exact text of the notices you sent to each CRA and the dates those notices were transmitted. 

Provide a complete, signed, contemporaneous investigation report describing the investigation you performed ( including what documents you reviewed and why you concluded the original entries were accurate or inaccurate ). 

Provide restitution : confirm reversal of the {$15.00} late fee ( already shown on the statement ) and provide a goodwill adjustment or other corrective action to mitigate credit harm ( e.g., request CRA reinvestigation flag removal or an account notation that the error was caused by the furnisher ). 

Provide compensation for harms and costs : I demand a minimum statutory/compensatory payment of {$5000.00} ( which you may avoid by completing demands XXXX within the XXXX business-day deadline ). 

Preserve all evidence relating to this account and my disputes ( including call recordings, notes, emails, system logs, internal investigation notes, and any vendor/third-party communication ) and produce a litigation hold notice to anyone who may destroy or alter such records. 

WARNINGS CONSEQUENCES OF NONCOMPLIANCE If you fail to fully comply with all demands above within XXXX business days : I will immediately file suit in federal court for violations of the FCRA, XXXX, FDCPA, and any applicable state statutes seeking actual damages, statutory damages, punitive damages, and attorneys fees. Courts routinely award significant damages for willful furnisher violations. 
I will file formal complaints with the CFPB, FTC, and the appropriate state Attorney Generals office ( including XXXX. XXXX enforcement where applicable ), and will provide them with your admission ( the refund ) plus proof of your failure to correct. 
I will publish this evidence of misconduct to consumer advocacy organizations and consumer review platforms, and notify credit industry trade groups and any appropriate regulatory agency. 
I will seek expedited discovery and sanctions for spoliation if records are not preserved. 

Send your response by certified mail, return receipt requested, and also email a PDF of the written confirmations and investigation report to [ your email ]. If you have a designated furnisher compliance email address, send to that address as well and confirm the time/date of transmission. 

This letter is not a request it is a demand backed by evidence that you already acknowledged error. I expect comprehensive compliance within XXXX ( XXXX ) business days. If you intend to avoid litigation and regulatory referral, comply immediately.

Company response to consumer: Closed with non-monetary relief