Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Inaccurate Credit Reporting of XXXX XXXX XXXX Account and Supporting Evidence Dear XXXX XXXX XXXX XXXX Department : I am writing to dispute the inaccurate late payment history currently reported on my credit file concerning the XXXX XXXX XXXX account. This reporting is materially incorrect, as supported by an official credit report issued by XXXX, which now correctly reflects the accounts payment status as Never Late. 

Enclosed Evidence and Context : 1. The attached XXXX CORRECT REPORTING.pdf includes the verified entry for XXXX XXXX XXXX, clearly listing the account as Never Late. 
2. This corrected status confirms that prior late payment entries reported by your agency are erroneous and must be rectified immediately. 
3. The inaccurate reporting by your agency has directly contributed to financial and reputational harm, including but not limited to : denied credit opportunities, higher interest rates, and emotional distressall relevant in a pending legal claim. 

Legal Grounds for Reinvestigation and Correction : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires that all consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. 

15 U.S.C. 1681i ( a ) compels your agency to conduct a reasonable reinvestigation upon notice of a dispute and correct or delete any information found to be inaccurate or unverifiable. 

15 U.S.C. 1681i ( d ) mandates that I be informed of the results of the reinvestigation and provided with the name and contact information of the furnisher used. 
The discrepancy between your records and the XXXX report is substantial. XXXX, as a legally recognized credit bureau, has already corrected its reportingconfirming that the XXXX XXXX XXXX account was never delinquent. This undermines any assertion that your continued reporting of late payments is either accurate or reasonable. 

Legal Relevance and Harm : This erroneous reporting has already been cited in a personal injury and reputational damages lawsuit, in which I am currently engaged. The failure to maintain accurate credit data has contributed to a demonstrable financial burden and personal distress, forming a critical component of the ongoing legal proceedings. 

Requested Action : Please immediately correct the payment status of the XXXX XXXX XXXX account to reflect Never Late as per the XXXX record. 

Provide me with written confirmation of the changes made, or a detailed explanation of the results of your reinvestigation within XXXX  days as required by law. 
Include the name and address of the data furnisher that verified the original, now disputed, information. 

Enclosures : Copy of XXXX XXXX XXXX Copy of photo ID and proof of address Copy of [ Credit Bureau ] report showing the inaccurate entry Failure to resolve this in a timely and lawful manner may result in further legal action, including claims under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation