Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX - Subject : Final Notice Demand for Immediate Deletion of Inaccurate Payment History Dear Equifax, This is my FINAL NOTICE regarding the inaccurate payment history being reported on my credit file. I have repeatedly disputed these errors, and despite your legal obligation under the Fair Credit Reporting Act ( FCRA ), you have failed to conduct a reasonable investigation. Instead, you continue to mark the disputed items as verified without providing any valid proof of accuracy. 

XXXX- XXXX u continue to claimed this account is verified and correct. In payment status you have that the account is 30 days past due but the other two bureaus have 60. You also claim the last payment date is XX/XX/XXXX but in payment breakdown it has me late 30 days in XX/XX/XXXX. Thats is inaccurate. NEEDS TO BE UPDATED TO PAID IN ALL MONTHS. ALONG WITH STATUS OF ACCOUNT TO PAID. 


XXXX XXXX state that i am 30 and 60 days in the months of XXXX and XX/XX/XXXX but the other bureaus have thr account closed and last active in XXXX of XXXX. Besides all this you arent reporting the last payment date or the last active date. Please update to paid always on time. 

XXXX You claim to be reporting accurate but last payment date is XX/XX/XXXX but in payment history you report that i am 30 days late. Results in the payment status not 60 days late. Please update to always pays on time and paid in all the history the same. 


XXXX- you have no last payment date or last active date but you have me 30 days late in XX/XX/XXXX. Please since its not accurate update the 30 days late to paid XXXX XXXX XXXX This one ive dispute at least 3 times and you keep saying verified when ITS NOT HUMANLY POSSIBLE. Let me know you didnt verify it at all and explains why you never provided me with proof of how you verified the account. Again you have the last payment date as XX/XX/XXXX but in payment history have im 30 days late. Meaning all other months you claim im late wrong and inaccurate. You had i was late XXXX in XXXX and then july 90 days. Thats not even possible much less accurate. Update all to paid always. 

XXXX- i have a FTC for this account because it does not belong to me. In the other rounds of disputes the two other bureaus deleted the account as to the FTC report. You have not and remains violating my rights on my report. Even if not the payment status has 120 late but history does not show one single late payment. Remove accouny or make it to paid. 

KICKOFF LEND - payment status reports 120 days late but not one late payment in the history of. Remove the remark to pays on time LVNV - is another one on my FTC report that the other bureaus have removed as they should that you still refuse to remove. But again even if it was mine .. payment status claims 120 late when not one single payment is late in the history. Remove the account or remove the remark KOVO INC- you claim my last payment date is 5/1/24 and in the payment history you have me being late as 30 days meaning all the other months that you have me late would also be incorrect not to mention you have me going from 60 days late to 120 late. NOT HUMANLY POSSIBLE. I see why you couldnt send prove of how you verified the account. Update to paid and payment status the same because you have 120 days late which is also incorrect KOVO INC- 500- same here you have me as 120 late in payment status where the other bureaus have 180. You claim my last payment date is 5/1/24 but in the history have me as 30 days late so all months following would be inaccurate. Not to mention the 3 months in a row that you reported i was 120 in each. NOT HUMANLY POSSIBLE. UPDATE TO PAID IN HISTORY AND STATUS Violations of Federal Law You are in direct violation of the following provisions of the FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation when a consumer disputes information. Simply parroting information from the furnisher without obtaining actual evidence does not meet this standard. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item can not be properly verified with documented proof, it must be deleted from my credit file. Repeatedly marking false information as verified is a clear violation of this statute.

15 U.S.C. 1681e ( b ) You are legally required to maintain maximum possible accuracy in consumer reports. By allowing known inaccuracies to remain, you are violating my rights under this law.

. 15 U.S.C. 1681n Willful noncompliance with the FCRA makes you liable for damages, attorney fees, and punitive damages in a court of law.

Immediate Action Required Given the repeated failure to correct these factually impossible inaccuracies, I am demanding the IMMEDIATE deletion of the erroneous payment history and update to paid and also pays on time. I also demand if any negative comment about payment history is in the account status page It as well needs to reflect Paid. If you fail to comply within 15 days, I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for your continued violations.

2. Send a formal demand letter to the data furnisher, holding them equally accountable under 15 U.S.C. 1681s-2 ( b ) for failing to conduct a proper investigation.

3. Pursue legal action for willful noncompliance under 15 U.S.C. 1681n, which allows me to seek damages, legal fees, and additional penalties in federal court.

This letter serves as your FINAL WARNING. I expect a written response detailing the removal of the disputed information within the legally required timeframe. If these inaccuracies remain on my credit report, you will leave me no choice but to escalate this matter immediately.

Company response to consumer: Closed with non-monetary relief