Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
To Whom This Concern : I am writing in regard to an alleged late payment you reported to [ Experian/TransUnion/Equifax ] on my account. The reported payment is identified as late, and I would like to address this matter based on the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include any report that contains solely information regarding transactions or experiences between the consumer and the person making the report. As such, my transactions and experiences with your company are excluded from the definition of a " consumer report '' and, therefore, should not be reported to any credit reporting agency.

You do not have the legal right to furnish this information as part of my credit report, as the law explicitly excludes this type of information from being included in consumer reports. 
Furthermore, under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has followed reasonable procedures to ensure that the periodic statement, which includes the information required by 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

To justify reporting a late payment, you must prove the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : You must provide evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2. Detailed Documentation : 15 U.S. Code 1637 ( b ) outlines specific information that must be included in the periodic statement. I request that you send me all documentation showing that the statement met the requirements and was mailed or delivered within the specified time frame.

I am requesting this information in good faith under Rule 1002. You are required to provide me with the requested documentation within 10 days of receiving this notice. 

Please do not respond by claiming that you are reporting " accurate '' information, as I have not received the necessary proof of compliance with 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) and 15 U.S. Code 1666b & 1637 ( b ). Without proof of compliance, you have no basis for reporting the payment as late.

If you are unable to provide the necessary proof of mailing or delivery of the required information under 15 U.S. Code 1666b, you are not authorized to report this payment as late, which constitutes a violation of 15 U.S. Code 1681s-2.

You are required to either provide the requested documentation or delete the inaccurate late payment entry from my credit report within 10 calendar days from the receipt of this notice.

Late Payment ( s ) in Question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) | Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief