Consumer complaint received 2025-02-28 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: SC

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting Under FCRA Laws Dear XXXX, XXXX, Equifax, XXXX I am writing to formally dispute the inaccurate reporting of late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I have identified late payment entries on my credit report that I believe to be erroneous and request an immediate investigation into their validity. 
The specific account ( XXXX ) in question : Creditor Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the following federal laws, I request that these late payments be removed if they can not be properly substantiated : 1. 15 U.S. Code 1666b - This law requires creditors to promptly post payments upon receipt to avoid misrepresentation of late payments. If my payment was processed incorrectly, this may have led to an erroneous late mark on my credit report.

2. 15 U.S. Code 1681a ( 2 ) ( 1 ) - This section defines credit information as sensitive consumer data. Inaccurate reporting of my payment history misrepresents my financial reliability and constitutes an unfair practice under the FCRA.

3. 15 U.S. Code 6802 - This law governs the disclosure and privacy of financial information. If my payment history was shared inaccurately, it is a violation of my consumer rights.

4. 15 U.S. Code 1637b - This section pertains to creditor billing practices and ensures that any adjustments or changes to an account are handled fairly. If my payment history was misreported due to incorrect creditor adjustments, this law supports my right to dispute such errors. The information in section 1637b was mailed to consumer not later than 21 days.

I request that you conduct an investigation into these late payment reports and provide me with a written response confirming their accuracy. If the reporting creditor can not verify the legitimacy of these entries, I expect them to be removed immediately, as required by the FCRA.

Please update my credit report accordingly and send me a revised copy reflecting the corrections. If the investigation does not resolve my dispute, I request a detailed explanation of the findings and the method used to verify the accuracy of the information.

I appreciate your prompt attention to this matter. Per the FCRA, please complete your investigation within 30 days. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation