Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/year> -- -- - * * TO : * * Experian, Equifax, TransUnion Credit Reporting Agencies * * CC : * * XXXX XXXX XXXX XXXX * * RE : * * Formal Dispute of Inaccurate Late Payment History * * Account : * * XXXX XXXX XXXX XXXX * * Current Balance : * * {$12000.00} -- -- - # # NOTICE OF DISPUTE UNDER FCRA 611 Dear Credit Reporting Agencies, I am writing to formally dispute the * * INACCURATE LATE PAYMENT * * history being reported on my XXXX XXXX XXXX XXXX account. The late payment designations on this account are erroneous and must be removed immediately pursuant to my rights under the Fair Credit Reporting Act. 

# # LEGAL BASIS FOR DISPUTE # # # Fair Credit Reporting Act ( FCRA ) Violations : * * 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy Requirement : * * You are legally obligated to follow reasonable procedures to assure maximum possible accuracy in credit reporting. The inaccurate late payment history violates this fundamental requirement.

* * 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : * * Upon receipt of this dispute, you must conduct a reasonable reinvestigation within 30 days and remove any information that can not be verified as completely accurate.

* * 15 U.S.C. 1681c ( a ) - Requirements Relating to Information : * * You may only report information that is verified as accurate. Inaccurate payment histories must be corrected or removed. 

* * 15 U.S.C. 1681k - Public Record Information for Employment Purposes : * * All reported information must be current and accurate to prevent consumer harm. 

# # SPECIFIC DISPUTES I hereby dispute the following inaccuracies on my XXXX XXXX XXXX XXXX account : 1. * * INACCURATE LATE PAYMENT DESIGNATIONS * * - The account shows late payment history that does not reflect my actual payment performance.

1. * * FAILURE TO VERIFY PAYMENT DATES * * - The credit bureaus have failed to verify the accuracy of reported payment dates against actual payment records.

1. * * INCORRECT PAYMENT STATUS CODING * * - The payment history codes do not accurately represent my payment behavior on this account.

1. * * LACK OF SUPPORTING DOCUMENTATION * * - No proper documentation has been provided to substantiate the claimed late payments.

# # CONSUMER RIGHTS UNDER FCRA * * Right to Accurate Information ( 1681e ) : * * I have the absolute right to have only accurate, verifiable information reported on my credit file.

* * Right to Dispute ( 1681i ) : * * I have the right to dispute any inaccurate information, and you must investigate and correct or remove unverified information.

* * Right to Damages ( 1681n & 1681o ) : * * Failure to comply with FCRA requirements subjects you to actual damages, statutory damages up to {$1000.00} per violation, and attorney fees.

# # DEMANDED ACTIONS Pursuant to 15 U.S.C. 1681i, I demand that you : 1. * * IMMEDIATELY REMOVE * * all inaccurate late payment designations from my XXXX XXXX XXXX XXXX account 1. * * UPDATE THE PAYMENT HISTORY * * to reflect accurate, Never Late or Pays as Agreed status 1. * * PROVIDE WRITTEN CONFIRMATION * * of these corrections within 30 days as required by law 1. * * NOTIFY ALL ENTITIES * * who received my credit report in the past 6 months ( 24 months for employment purposes ) of these corrections per 1681i ( d ) 1. * * SEND UPDATED CREDIT REPORTS * * showing the corrected payment history at no charge # # REINVESTIGATION REQUIREMENTS Under FCRA 1681i ( a ) ( 1 ), your reinvestigation must be reasonable and thorough. This includes : - * * Reviewing all relevant information * * provided by me and the furnisher - * * Contacting the furnisher * * to verify payment history accuracy - * * Examining original payment records * * and account statements- * * Correcting or deleting * * any information that can not be verified as accurate # # NOTICE TO DATA FURNISHER * * XXXX XXXX XXXX XXXX * * is hereby notified that under FCRA 1681s-2 : - You must * * investigate * * this dispute when notified by the credit bureaus - You must * * review all relevant information * * provided regarding this account- You must * * report accurate information * * or cease reporting inaccurate data - * * Failure to comply * * subjects you to consumer lawsuits and regulatory action # # LEGAL CONSEQUENCES OF NON-COMPLIANCE Please be advised that failure to comply with these legal demands may result in : * * Federal Lawsuit under FCRA : * * - * * 1681n * * - Willful non-compliance : Actual damages plus punitive damages $ XXXX {$1000.00} per violation plus attorney fees- * * 1681o * * - Negligent non-compliance : Actual damages plus attorney fees- * * 1681i ( a ) ( 6 ) * * - Failure to reinvestigate : Additional penalties and damages * * State Law Claims : * * - Violation of state consumer protection acts - Defamation and credit disparagement - Negligent and intentional infliction of emotional distress # # CONSUMER STATEMENT The inaccurate late payment history on this account has caused significant harm to my credit profile and financial opportunities. I have maintained responsible payment habits, and the reported late payments do not reflect my actual account performance. 

# # RECORD KEEPING NOTICE This dispute letter serves as my official notice under federal law. I am maintaining complete documentation of this dispute process and will use these records in any necessary legal proceedings to protect my consumer rights. 

* * METHOD OF DELIVERY : * * Certified Mail, Return Receipt Requested I expect your full compliance with federal law and prompt correction of these credit reporting inaccuracies within the statutory 30-day period. 

* * Sincerely, * * -- -- - XXXX XXXX

Company response to consumer: Closed with non-monetary relief