Consumer complaint received 2025-02-23 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: MO

Complaint narrative:
So, on my credit report, there is a XXXX credit card account that is showing that it is 60 days late, and this is false. The billing cycle for the credit card is as follows : the due date for the account is the XXXX of the month, and the closing statement date is the XXXX of the next month. For example, the last due date on this credit card was XX/XX/XXXX, and the closing statement date was XX/XX/XXXX. Now I made a payment on the account on the XXXX of XX/XX/XXXX, and I have attached a copy of my bank statement to prove this. On the XXXX of XX/XX/XXXX, I see on my credit report where XXXX is reporting that my account is 30 days late, and this was false, and then today, XX/XX/XXXX, when I am looking at my credit report, it has been updated, saying that I am 60 days late on this account. The next due date on this account is XX/XX/XXXX, and the closing statement date would be XX/XX/XXXX. So why are they reporting false information on my credit report? So how can they be reporting an account late an addition to 30 days when the due date and the closing statement date have not passed or arrived as yet? This is a clear violation of my rights under FCRA, and I ask that this account be deleted and/or updated to pay as agreed and remove the late payment from my account. 

Dear Credit Bureau RepresentativXXXX Representative I am writing to formally request the deletion of a late payment entry on my XXXX account and to have XXXX permanently removed from my credit report. My request is based on multiple violations of federal law, as outlined below. 

1. Violation of 15 U.S.C. 6802 Right to Opt-Out of Information Sharing According to 15 U.S.C. 6802 ( Financial Privacy Rule under the Gramm-Leach-Bliley Act ), financial institutions must provide consumers the right to opt out of sharing their financial information with third parties, including credit bureaus. 
I never provided XXXX with permission to disclose my financial information, including my payment history, to any third party. 
This law gives me the right to opt out of having my financial information reported. I am now formally invoking that right and requesting the removal of my XXXX account from my credit report. 

2. Violation of 15 U.S.C. 1666b Failure to Provide Notice of Payment Due Under 15 U.S.C. 1666b, a creditor must send a billing statement at least 21 days before the due date to notify me of any required payment. 
XXXX failed to provide me with this required notice before reporting a late payment. 
If they claim otherwise, I demand verifiable proof ( such as a tracking number ) confirming that I received the notice. 
Without such proof, this reporting constitutes a violation of my rights, and the late payment entry must be removed from my credit file. 

XXXX. Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) Failure to Notify Me of Negative Information Per 15 U.S.C. 1681s-2 ( a ) ( 7 ), a financial institution must notify a consumer within 30 days if it intends to report negative information to the credit bureaus. 
XXXX did not provide me with such notice before reporting negative information on my credit report. 
This failure to notify me violates federal law and further invalidates the late payment entry. 

Summary of My Request Deletion of the late payment entry Since XXXX violated federal law, the reported late payment is invalid and must be removed from my credit report. 
Cease reporting my XXXX account Under my rights granted by 15 U.S.C. 6802, I am opting out of having my financial data reported by XXXX to the credit bureaus. 
This request is being sent via certified and registered mail for tracking and documentation purposes. If you fail to comply with this request, I will have no choice but to pursue legal action against your company for continued violations of federal law. 
I expect written confirmation within 30 days of receipt of this letter, confirming : The removal of the late payment from my credit report. 
The cessation of reporting my XXXX account. 
Failure to comply with this lawful request may result in legal consequences. The last four of my social security numbers are XXXX and my date of birth is XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation