Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Exclusion of Transactions Pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) To Whom It May Concern : I am writing to formally dispute and demand the exclusion of the following transaction ( s ) from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment from XX/XX/XXXX This information is being reported by Equifax in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), and must be removed immediately.

Statutory Basis for Exclusion Under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report explicitly does not include : " Any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' This means that transactional data that reflects private experiences between a consumer and a lendersuch as an isolated late payment on a closed, paid accountis not legally defined as a consumer report and therefore can not lawfully be disclosed by a consumer reporting agency once the account is resolved and no longer relevant to creditworthiness. 

Reporting this outdated, non-material derogatory data serves no permissible purpose under the FCRA and creates a materially misleading impression of my creditworthiness. This is both improper and unlawful. 

Supporting Case Law Numerous federal courts have ruled in favor of consumers under similar circumstances : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that CRAs must adopt reasonable procedures to ensure maximum possible accuracy ; reporting outdated or unverifiable derogatory data fails this standard. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Information that is technically accurate but misleading can be considered inaccurate under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Reiterating that failure to reasonably reinvestigate disputed information constitutes a clear FCRA violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizing that data that misleads creditors, even if factual, XXXX be legally actionable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Consumers are not required to prove falsity, only that a legitimate dispute exists, to trigger reinvestigation. 

My Demands I hereby demand that Equifax : Immediately remove the XX/XX/XXXX late payment on the XXXX XXXX XXXX  account. 

Update the pay status to Paid in Full Closed at Consumers Request Never Late. 

Provide written confirmation of the correction and a copy of the updated report. 

Disclose the reinvestigation procedures used, as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Failure to Comply Should Equifax fail to comply with this demand, I will pursue legal action to protect my rights under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). These statutes authorize recovery of actual damages, statutory damages, punitive damages, attorneys fees, and costs. 

You are on notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation