Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX * XXXX  TransUnion XXXX XXXX P.O. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Late Payment Legal Grounds under 15 U.S.C. Codes * * Dear Credit Bureau, I am writing to formally dispute a late payment reported on my credit file. After reviewing my credit report, I noticed that the account listed below contains a * * late payment entry * * that I believe is either inaccurate, misreported, or in violation of federal law regarding billing practices and consumer data accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number BEGIN WITH NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Date of Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX In support of my request for removal of this late payment, I reference the following provisions of federal law : XXXX XXXX XXXX XXXX XXXX  Legal Basis for Dispute XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1666B ( TILA Timing of Payments ) * * This statute stipulates that a payment must be credited as on-time if received by the due date and within the creditors stated cutoff time. If my payment met those conditions, it should not have been reported as late. 

XXXXXXXX XXXX XXXX  15 U.S.C. 1637 ( b ) ( TILA Disclosure of Account Terms ) * * Creditors must clearly disclose the terms under which they assess late payments. If this was not transparently disclosed, the reporting of a late payment may be misleading or improper. 

XXXX XXXX XXXX  15 U.S.C. 6802 ( Gramm-Leach-Bliley Act Privacy Protection ) * * This law governs how personal financial information is handled and disclosed. If the furnishing of this late payment did not comply with proper disclosure, consent, or accuracy standards, it may represent a breach of privacy and fair reporting. 

XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA Duty to Report Accurate Information ) * * This provision requires furnishers of information to notify consumer reporting agencies if any information previously reported is found to be incomplete or inaccurate. If this late payment entry is inaccurate, the furnisher is obligated to correct it promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested XXXX XXXX  : In accordance with the laws cited above, I respectfully request : * A full XXXX XXXX investigation XXXX XXXX of this late payment entry. 
XXXX XXXX XXXX XXXX XXXX XXXX  from the original creditor that the payment was in fact late and properly reported. 
XXXX XXXX XXXX Deletion XXXX XXXX  of the late payment from my credit report if it is unverifiable, misreported, or in violation of federal billing/disclosure standards. 

I am attaching copies of my credit report with the item highlighted, along with any relevant statements or correspondence to assist with your investigation. 

Please respond with the outcome of your reinvestigation within the required XXXX XXXX XXXX period XXXX XXXX, as specified under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). If the late payment can not be verified or is found to be inaccurately reported, it must be removed from my credit file. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief