Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Second Notice Failure to Resolve Inaccurate Late Payment Reporting ( Complaint Filed with CFPB ) Dear Equifax Dispute Department, Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Why Youre in Violation : Let me be direct : I was never notified about the upcoming due date or about a late payment from this creditor. They never gave me a chance to correct or resolve the issue before reporting it to the credit bureaus. Thats not just unethical its illegal under the Fair Credit Reporting Act ( FCRA ). 
Youre now in violation of multiple sections of federal law : FCRA 1681e ( b ) You're legally required to maintain accurate and complete credit data.

Reporting a late payment that I had no fair chance to address is neither accurate nor complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) The furnisher ( creditor ) is required to report responsibly and fairly. If they didnt notify me prior to reporting me late, then they violated this duty.

FCRA 1681i ( a ) I exercised my right to dispute this error. If the creditor can not verify that notice was provided, then you are legally obligated to delete this entry.

Despite raising this concern already, you failed to properly investigate or fix it. Ive now taken the step to report this mishandling to the CFPB, and I will not hesitate to escalate this through further regulatory or legal channels.

Heres What Im Demanding : Immediately reinvestigate this late payment.

Require the creditor to prove they sent proper notice dated reminders, letters, or email communications before the late mark was reported.

If they can not prove it, delete this late payment permanently from my report.

Send me written confirmation of the deletion and an updated copy of my credit file within 15 business days.

If this isnt resolved, I will move forward with additional complaints to the FTC, state Attorney General, and if necessary, file legal claims under FCRA 616, which provides for up to {$1000.00} per violation, plus any actual damages and legal costs.

Im not asking for anything unreasonable Im demanding fair treatment under the law and an accurate credit report, nothing less.

Company response to consumer: Closed with non-monetary relief