Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dispute of Inaccurate Late Payments and Request for Verification Under the FCRA Notice to Agent is Notice to Principal / Notice to Principal is Notice to Agent. This letter serves as a formal dispute of the inaccurate late payment records currently reflected on my consumer credit report. I maintain that these records directly violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards due to a severe lack of regulatory conformity and proper verification. I hereby demand an immediate reinvestigation and the permanent deletion of these inaccurate items from my credit history. Alleged Late Payments : Below is the list of the specific accounts and the dates of the disputed late payments. Each of these items has been falsely reported as delinquent. I demand their immediate removal unless you can provide irrefutable, strict documentary proof of their absolute accuracy and full compliance with federal regulations : XXXX XXXX XXXX XXXX, No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, XXXX 30 days XXXX XXXX XXXX XXXX, No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, XXXX 30 days Legal Basis of My Dispute : Pursuant to Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ) and the strict mandate of Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you are legally required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my consumer report. This statutory duty obligates you to verify any disputed information through complete and verifiable documentation, including original account terms and payment ledgers substantiating the exact delinquency dates. Absent such irrefutable evidence, you lack the legal authority to report these alleged late payments. Furthermore, Section 611 ( a ) of the FCRA dictates that any disputed information must be thoroughly reinvestigated within a strict 30-day statutory timeframe. During this reinvestigation, you must review and consider all relevant information provided. If the disputed data can not be verified with absolute certainty, or is found to be inaccurate or incomplete, the law commands that such information be immediately deleted from my credit report. Additionally, under the industry-standard Metro 2 guidelineswhich form the benchmark for " maximum possible accuracy '' under federal lawany data furnished to consumer reporting agencies must be accurate, complete, timely, and in full compliance with federal regulations. This requires data to be flawlessly formatted within the mandatory 426-character layout, including all necessary personal identifiers ( Full Name, Address, Date of Birth, Social Security Number, and Account Number ). Any deviation from these formatting standards constitutes a systemic failure to report accurate information, requiring immediate correction or deletion. Request for Verification and Compliance : In accordance with Section 611 of the FCRA, I formally demand the following : * Proof of Verification : I demand that you provide the following for each disputed late payment record : * Complete documentary evidence demonstrating the alleged delinquency, including original due dates, exact payment processing stamps, and conclusive proof of default. * A copy of the relevant terms and conditions provided by the creditor detailing the specific payment deadlines and grace periods. * Metro 2 Compliance Audit : I require strict proof that every record on my report fully complies with Metro 2 electronic formatting standards, including the correct formatting of the 426-character P-Segment, creditor classification codes, and alphanumeric source codes. If these records fail to strictly adhere to the Metro 2 electronic format, they are legally unverified and must be suppressed immediately. * Immediate Deletion : If you are unable to provide complete, verified, and legally compliant proof that these late payments are 100 % accurate and timely, federal law mandates their immediate and permanent deletion from my credit file. * Statutory Liability Notice : Please be advised that a failure to ensure compliance with the FCRA and Metro 2 standards subjects your corporation to civil liability under 15 U.S.C. 1681n for willful non-compliance, which carries statutory damages, punitive damages, and reasonable attorney 's fees. Consequences of Non-Compliance and Failure to Verify : Pursuant to Section 611 ( a ) ( 7 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 7 ) ), you are legally required to provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the request. Failure to properly investigate or provide this disclosure within the 30-day statutory window will be construed as willful non-compliance. Consequently, I will immediately escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing federal legal remedies for actual and punitive damages. Furthermore, any continued failure to adhere to these statutory requirements will result in legal action incorporating the following violations : * Common Law Defamation : For the reckless reporting of false, unverified, and damaging information that severely harms my financial reputation. * Negligent Facilitation of Identity Theft/Fraud : If your failure to maintain accurate records results in the ongoing exposure or misuse of my personal financial data. * Statutory Violations of the FCRA : For failing to conduct a reasonable reinvestigation and failing to maintain procedures ensuring maximum possible accuracy under 15 U.S.C. 1681 et seq. Response Deadline : I expect a full, compliant response within 30 calendar days as strictly mandated by federal law. Failure to respond or providing a generic, automated response will result in immediate legal escalation, including but not limited to seeking statutory damages in a court of competent jurisdiction. My Demands : 1. Immediately delete any unverified, inaccurate, or non-compliant late payment records from my credit file. 2. Provide written confirmation certifying that these items have been permanently suppressed, or provide the exact methodology and documentation utilized to verify their absolute accuracy. 3. Furnish a free, updated copy of my consumer credit report reflecting these corrections, pursuant to Section 612 of the FCRA. 4. under 15 U.S.C. 1681s-2 ( a ) ( 7 ), Proof of such negative information notice, including tracking number, date stamp, and evidence of mailing in compliance with the statutory timeframe. 5. Notify all entities that have received my credit profile within the last six months of these corrections. Conclusion : I urge you to act swiftly and bring your agency into compliance with the federal laws governing consumer credit reporting. Continued non-compliance will only exacerbate the injuries to my consumer rights, and I am prepared to exercise the full extent of my legal recourses to protect my financial interests. Sincerely,

Company response to consumer: Closed with non-monetary relief