Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this XXXX clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities. 
Account Details High Balance : {$20000.00} ( all bureaus ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not verified ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) Balance Owed : {$18000.00} ( XXXX ) ; {$17000.00} ( XXXX and Equifax ) Payment History : XXXX and XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Equifax : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts.

Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy.

Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done.

Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute.

TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness. 
Demanded Resolution I am demanding the following actions immediately : Removal of the false XXXX late payment notations for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report.

This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action for violations of my federally protected rights.

Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws.

Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation