Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Re : Immediate Action Required : Dispute of Inaccurate Late Payments Reporting under 15 U.S.C. 1681s-2 ( b ) Dear Sir/Madam, I am writing to express my dissatisfaction and frustration with Equifaxs handling of my dispute regarding inaccurate late payment entries on my credit report. Despite submitting a formal dispute of these incorrect entries and the remaining in my report. This failure to resolve my dispute is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also undermines my legal rights under 15 U.S.C. 1681s-2 ( b ), which clearly outlines the obligations of both credit reporting agencies and furnishers of information. The late payments reported by [ Equifax ] Are as Followed : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are erroneous and do not reflect my actual payment history. To remind you, 15 U.S.C. 1681s-2 ( b ) imposes a clear duty upon Equifax to notify the furnisher of information and ensure a thorough, accurate investigation. Furthermore, any inaccurate information that is not substantiated by evidence must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Given that the dispute has not been resolved in a reasonable time frame, I now request the following : 1. Immediate removal or correction of the disputed late payment entries from my credit report, as they are erroneous.

2. Proof of the investigation conducted by the furnisher of the information ( i.e., the creditor ).

PLEASE UPDATEMY PAYMENT HISTORY TO PAANL ( PAID AS AGGREED NEVER LATE ACCORDING TO CONSUMER PROTECTION LAWS, ) 3. A written explanation as to why these inaccuracies were not rectified upon my initial dispute. 
I remind you that under the FCRA, you are required to complete the dispute process in a timely manner, typically within 30 days. If you fail to take prompt action, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. I will also consider taking legal action for damages caused by the continued presence of inaccurate information on my credit report. 
Enclosed are the same supporting documents provided in my original dispute, which clearly demonstrate my payments were timely and are incorrectly reported as late. I demand that Equifax immediately rectify these errors and update my credit report accordingly. 
Please consider this letter as a final notice for your resolution. Failure to comply with my request will leave me no choice but to pursue all available legal remedies to ensure my credit report is corrected, as I am entitled to under federal law. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief