Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
Despite XXXX prior dispute notices, XXXX XXXX XXXX continues to report inaccurate and unlawful late payment information on my credit reports. The details of these disputes are outlined below : First Dispute Delivered XX/XX/XXXX ( XXXX Tracking No. XXXX ) : I formally requested information under 15 U.S.C. 1681a, which explicitly states that transactions between the consumer and the reporting entity can not be included in a consumer report. Instead of compliance, XXXX XXXX responded with " verified/accurately reported, '' which constitutes a clear violation of the XXXX XXXX XXXX XXXX. 

Second Dispute Delivered XX/XX/XXXX ( XXXX XXXX XXXX. XXXX ) : I requested, in accordance with 15 U.S.C. 1666b, documented proof that billing statements were provided at least 21 days before the payment due date. XXXX XXXX failed to respond entirely, which is a direct violation of the law. 

Third Dispute Delivered XX/XX/XXXX ( XXXX XXXX XXXX. XXXX ) : Once again, XXXX XXXX unlawfully responded with " verified/accurately reported, '' providing account statements that were neither requested nor sufficient to satisfy legal requirements. This marks a third violation of the XXXX XXXX XXXX XXXX. 

Now, for the fourth time, I am lawfully demanding that XXXX XXXX XXXX comply with federal law and correct its illegal reporting practices. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the following items : Account Ending : XXXX Account Identifier : XXXX Experian Report No. XXXX ( XX/XX/XXXX ) : XXXX : XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) XXXX : XXXX ( 30 days ), XXXX ( 30 days ), XXXX ( 30 days ) XXXX : XXXX ( 30 days ), XXXX ( 60 days ) XXXX Report No. XXXX ( XX/XX/XXXX ) : XXXX : XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) XXXX : XXXX ( 30 days ), XXXX ( 30 days ), XXXX ( 30 days ), XXXX ( 30 days ) XXXX : XXXX ( 30 days ), XXXX ( 60 days ) XXXX Report No. XXXX ( XX/XX/XXXX ) : XXXX : XXXX ( 60 days ), XXXX ( 90 days ) XXXX : XXXX ( 30 days ) XXXX : XXXX ( 30 days ) 15 U.S.C. 1666b Timing of Payments XXXX XXXX must provide documented proof of delivery for billing statements sent at least 21 days before each reported late payment from XX/XX/XXXX to XX/XX/XXXX. 

15 U.S.C. 1681a Exclusions from Consumer Reports Transactions between a consumer and a creditor can not be reported as negative items on a consumer credit report. XXXX XXXX must justify how it legally reported these transactions despite the statutory exclusion. 

15 U.S.C. 1681s-2 Responsibilities of XXXX XXXX XXXX XXXX required to notify consumers in writing before furnishing negative information to credit bureaus. XXXX XXXX must provide proof of written notification sent 30 days before reporting each late payment between XX/XX/XXXX and XX/XX/XXXX. 

If XXXX XXXX can not produce the legally required documentation for the reported late payments ; I formally demand the following remedies : Immediate removal of all reported late payments from XX/XX/XXXX to XX/XX/XXXX, OR Deletion of Account Ending in XXXX ( Identifier : XXXX ) and all associated transactions from my credit report file.

Company response to consumer: Closed with non-monetary relief