Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the late payments reported on my account : XXXX XXXX XXXX XXXX Its showing different information for the statements dated XXXX, XXXX, and XXXX. All XXXX CRAs have different late payments for different months which is evidence these arent verified. 
Experian and XXXX  shows XXXX late and XXXX shows XXXX and XXXX. I believe these late payments are inaccurate and unverifiable under federal law, specifically because the furnisher has failed to provide the statutorily required billing-notice, and any verification without certified documentation is legally insufficient.

Under 15 U.S.C. 1666b, a creditor must provide a billing statement at least 21 days before the payment due date for open-ended credit accounts. The late payment entries you report rely on a verification apparently a rubber-stamp or similar but no certified documentation has been provided to show that the 21day billing notice was sent to me in a timely manner. That failure renders the late payment status unverified and thus inaccurate. 

Moreover, your duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., require CRAs to conduct a reasonable reinvestigation when a consumer disputes reported information. As held by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a CRAs reinvestigation obligation may require more than simply relaying a furnishers unverified assertion. That Court reversed a lowercourts grant of summary judgment and remanded the case because the CRA failed to undertake a meaningful investigation into the disputed items merely parroting the furnishers verification was insufficient. 

Likewise, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other related decisions, courts emphasized that CRAs must adopt reasonable procedures to assure maximum possible accuracy ; when a consumer challenge identifies a possible inaccuracy, the CRA may be required to go beyond the original source of information.

Given this legal framework : Any verification provided by the furnisher that does not include certified documentation proving the 21day billing notice was sent constitutes a willful violation and negligence in reporting an unverifiable late payment. 
All The current late payments reporting are therefore inaccurate and must be corrected to reflect on-time payment status or removed entirely if the account can not be verified. 

I demand that you conduct a full reinvestigation consistent with the FCRA, and require the furnisher to provide certified proof of compliance with 1666b before retaining any latepayment status on my file. The law requires this to be mailed so please provide the proof this was mailed 21 days with mail logs and tracking. If such proof is not produced then the payments in this dispute are not in account to 15 USC 1681eb for maximum accuracy and I expect the late payment entries to be updated to on-time status immediately.

Please provide written confirmation once these corrections are made.

Thank you for your prompt attention.

Company response to consumer: Closed with explanation