Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
Subject : Formal Demand for Immediate Correction of Inaccurate Late Payment Notations under FCRA and 15 U.S.C. 1681 Dear Equifax This letter serves as a formal demand for the removal or correction of late payment notations inaccurately reported on my credit file. After a comprehensive review of my credit report, I identified late payment entries that I believe are inaccurate and improperly reported. These entries, associated with XXXX XXXX XXXX XXXX, are in direct violation of 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C.

1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which require credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting.

Legal Grounds for This Demand 1. 2. 3. 4. Violations of Accuracy Obligations 15 U.S.C. 1681e ( b ) : As mandated by the FCRA, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in a consumers file. The late payment notations in question fail to meet this standard.

Reinvestigation and Verification Obligations 15 U.S.C. 1681i : Under this section, you are required to conduct a reasonable reinvestigation of disputed items when notified by a consumer. If you can not verify the accuracy of these late payments, you are legally required to remove them.

Furnisher Obligations 15 U.S.C. 1681s-2 ( b ) : Creditors and furnishers of information have a duty to correct or delete any inaccurate, incomplete, or unverifiable information. You must confirm with the furnisher whether the late payments are accurate. If they fail to verify the accuracy, these entries must be removed from my credit report immediately. 
Failure to Meet Notification Requirements 15 U.S.C. 1681m : If the late payments resulted from adverse actions by a creditor, I should have been notified of such actions promptly. If no proper notification was provided, the entries violate FCRA provisions and must be corrected. Specific Actions Requested I demand the following immediate actions : 1. Reinvestigation of Late Payments : Conduct a thorough reinvestigation of the late payment notations associated with XXXX XXXX XXXX XXXX. 
2. Verification or Deletion : If the information can not be 100 % verified as accurate and complete, you are required under federal law to remove the entries entirely.

3. Correction to " Paid as Agreed '' : If verification reveals discrepancies or incomplete information, these late payments must be updated to reflect a status of Paid as Agreed to align with FCRA requirements. 
Timeframe and Legal Accountability Under 15 U.S.C. 1681i ( a ) ( 1 ), you have 30 days from the date of receipt of this letter to complete your investigation and provide a written response. Failure to comply will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuing civil remedies as permitted under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

I trust you understand the severity of this matter and your obligation under federal law to ensure my credit report reflects accurate and verifiable information. Please confirm receipt of this letter and provide updates on the status of this dispute promptly. I expect written confirmation of the resolution within the legally mandated timeframe.

Company response to consumer: Closed with explanation