Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Re : FORMAL DISPUTE OF INACCURATE PAYMENT HISTORY Identity Theft & Furnisher Reporting Errors Demand for Immediate Correction Under Federal Law To Whom It XXXX Concern, I am writing to formally dispute inaccurate and unlawfully reported payment history currently appearing on my consumer credit reports. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Credit Billing Act ( FCBA ), and applicable identity theft protections under federal law. 

The information described below is factually incorrect, legally impermissible, and must be corrected or deleted immediately. 



XXXX ACCOUNT XXXX & XX/XX/XXXX Incorrectly Reported Missed Payments Identity Theft / Unauthorized Use XXXX is reporting missed payments for XX/XX/XXXX and XX/XX/XXXX. These payments were NOT missed. 

During this time period, I was a verified victim of identity theft. My credit cards were stolen and used without my authorization. Under federal law, I am not liable for unauthorized charges or any resulting delinquency. 

Applicable Law : FCRA 1681c-2 ( a ) Requires blocking of information resulting from identity theft FCRA 1681s-2 ( a ) ( 1 ) Furnishers may not report information they know or should know is inaccurate FCBA ( 15 U.S.C. 1666 ) Consumers are not responsible for unauthorized charges 15 U.S.C. 1643 Limits liability for unauthorized credit card use Reporting missed payments stemming from identity theft is unlawful and constitutes inaccurate reporting. 

DEMAND : Immediate removal of the XX/XX/XXXX and XX/XX/XXXX late payment notations Correction of the account to reflect 100 % on-time payment history Written confirmation of the correction XXXX XXXX XXXX XXXX XX/XX/XXXX False Missed Payment on Secured Loan Account Paid in Full XXXX XXXX XXXX XXXX XXXX XXXX a missed payment for XX/XX/XXXX on a secured loan. This reporting is factually false. 

The account was already paid in full prior to the alleged missed payment date. No payment was due, and therefore no payment could have been missed. 

Applicable Law : FCRA 1681e ( b ) Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy FCRA 1681s-2 ( b ) Furnishers must conduct a reasonable investigation upon notice of dispute FCRA 1681a ( 2 ) Reporting a delinquency when no obligation exists is inaccurate by definition Reporting a delinquency on a paid-in-full account is a clear violation of federal law. 

DEMAND : Immediate deletion of the XX/XX/XXXX missed payment Correction of the tradeline to reflect paid as agreed/ paid in full Written confirmation of correction FORMAL NOTICE & DEADLINE This letter serves as formal notice of dispute. You are required under 15 U.S.C. 1681i to : Conduct a reasonable reinvestigation Correct or delete any information that can not be verified as accurate Complete your investigation within 30 days Provide me with written results of your investigation Failure to comply may result in : Complaints to the Consumer Financial Protection Bureau ( CFPB ) Complaints to the State Attorney General Civil action for damages, attorneys fees, and costs under FCRA 1681n and 1681o

Company response to consumer: Closed with non-monetary relief