Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent TransUnion, Experian, Equifax you received my dispute regarding some transactions and late payments that you and Kickoff Lending furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( Experian, Transunion, Equifax ) stating that the account was verified!!!

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not a part of my consumer report! So how can you validate a late payment?

Furthermore, lets take a look at 15 USC 1666b : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

I am requesting all information pursuant to Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedures have you adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer no later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance with METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.

We are requesting the CERTIFICATION OF ACCURACY that you MUST possess, and the agent/s that were involved in the certification process that certified that the information is complete and accurate. Furnishing information without possession of the certificate of accuracy puts you in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( Experian, Transunion, Equifax ) have fraudulently verified an account without a reasonable procedure as required by law or 15 USC 1681e ( b ) Delete this incomplete and unverifiable account and transactions from my consumer reports : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation