Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Action Required Unlawful Late Payment Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, Equifax, Transunion Credit Report ) Dear CFPB Compliance Officer, I am submitting a formal complaint against multiple creditors and their data furnishers ( via Experian, Equifax, and Transunion ) for unlawfully reporting late payment entries that violate several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
Accounts and Disputed Late Payment Entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ( as reported separately by Experian, Equifax, Transunion ) Account Number : XXXX Late Payment Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Federal Statutory Compliance Failures : XXXX. FCRA Exclusion Clause 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) Under this statute, a consumer report does not include internal transaction data solely between the consumer and the creditor. Therefore, the reporting of alleged internal late payment activity ( e.g., XX/XX/XXXX for XXXX XXXX ) violates this federal exclusion and constitutes improper furnishing to third-party credit agencies. 
XXXX. Violation of 15 U.S.C. 1666b ( a ) Time to Make Payment This statute prohibits creditors from considering a payment late if made within a reasonable time after the statement is issuedspecifically requiring a minimum XXXX period between statement issuance and due date. If any of the late payments above were reported without evidence of this legally required window, such reporting is in direct violation of FCBA protections. 
XXXX. XXXX XXXX XXXX Inconsistencies Experian, Equifax, and Transunion and its data furnishers are required to submit credit data that complies with XXXX XXXX standards. I request formal documentation of how each of these late payment entries was reported, validated, and formatted in accordance with XXXX XXXX guidelines. If this can not be demonstrated, the data must be deleted. 
My Formal Requests : Immediate deletion of the following late payment entries from my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation within 30 days of the deletion ( s ), as required under 15 U.S.C. 1681i.

Disclosure of the original submission format and compliance review used to justify including these late payments under XXXX XXXX and FCRA guidelines. 
Please note : This is not a traditional dispute asking merely for " verification. '' This is a legal notice of noncompliance with multiple federal statutes and a demand for immediate corrective action. 
Thank you for your attention to this matter. I trust the CFPB will uphold the law and take appropriate steps to ensure the accuracy, legality, and fairness of consumer credit reporting practices. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation