Consumer complaint received 2025-05-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Notice to Agent is notice to principal notice to principal is notice to agent. 


I have received a copy on my consumer reports and I notice you have furnished transactions as late on my consumer report. A creditor can only treat a payment as late when they meet all the requirements of 15 USC 1666b.

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The above law requires that : 1 ) A periodic statement is sent out 2 ) It contains information from section 1637 ( b ) 3 ) It MUST be mailed or delivered ( Provide tracking number for mail or delivery receipt for email ) 4 ) Not later than 21 days before the payment due date!

I will need proof of compliance with all the requirements above and the fact that the FCRA and your procedures requires you to report accurate information.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Provide the requested information in addition to the negative information notice that the furnisher must have provided to you before this negative information was furnished to my consumer reports pursuant 15 USC 1681s-2 ( 7 ) Furthermore, my non-public personal information is private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. There is no contract or written permission where I, XXXX XXXX gave any written permission or permissible purpose. If XXXX believes that I have given them this permission I am requesting the document pursuant rule 1002.

15USC 1681b- Permissible Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safe guards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
XXXX has furnished my non-public personal records of information regarding my accounts to institutions like Transunion, Equifax and Experian that have had multiple data breaches compromising my information. They have violated Family Educational Rights and Privacy Act ( FERPA ) Equifax, Experian, TransUnion delete all alleged late payments from my consumer report or delete this account immediately! 

XXXX Account # XXXX Regards, XXXX XXXX _________________________________ Without Recourse UCC 1-308

Company response to consumer: Closed with non-monetary relief