Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX Late Payment Reporting ( XX/XX/year> ) Request for Reinvestigation Under FCRA XXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX -- - RE : FORMAL DISPUTE INACCURATE REPORTING Creditor : XXXX XXXX Account Number : [ Insert Last 4 Digits ] Type : Auto Loan Subject : Incorrect XX/XX/year> Late Payment Reporting + Incorrect Past-Due Amount -- - I. PURPOSE OF THIS DISPUTE I am formally disputing the inaccurate late payment and derogatory reporting for XX/XX/year> on my XXXX XXXX XXXX loan. 
The information Equifax is reporting is inaccurate, incomplete, and unverifiable, and must be corrected or deleted under : FCRA 611 ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ) FCRA 607 ( b ) ( maximum possible accuracy ) -- - II. SPECIFIC ERRORS IN MY CREDIT FILE Equifax is currently reporting : A late payment for XX/XX/year> A past-due amount of {$280.00} Derogatory status codes tied to that alleged delinquency This information is incorrect, because the account was current, approved for a payment extension, and all required payments were satisfied. 


-- - III. PROOF THAT XXXX  IS REPORTING INACCURATE INFORMATION The following documents ( attached ) prove the XX/XX/year> late payment never existed : XXXX. XXXX XXXX XXXX Confirmation ( Extension Approval ) Confirms my payment extension request was processed Confirms my account was current at the time Confirms XXXX approved the deferral of the XX/XX/year> payment 2. Payment Extension Confirmation ( XXXX XXXX or Email ) Confirms XXXX payment was deferred Confirms the new maturity date Confirms no delinquency existed 3. Proof of {$50.00} Extension Fee Payment Shows I paid the required extension fee 4. Proof of XX/XX/year> Payment Posted on Time Confirms the XXXX payment was received Confirms no past-due balance existed These documents make it clear : The XX/XX/year> late payment being reported is false, and the past-due amount is inaccurate. 


-- - IV. REQUIRED ACTION UNDER FCRA 611 Equifax is required to : Conduct a full reinvestigation Require XXXX to provide actual documentation, not just verbal verification Delete any information XXXX can not verify with records Remove inaccurate derogatory information Update any incomplete or incorrect data Failure to require documentation violates : FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 5 ) ( A ) FCRA 607 ( b ) -- - V. SPECIFIC CORRECTIONS REQUESTED I request that Equifax make the following corrections : 1. Delete the XX/XX/year> late payment 2. Delete the reported past-due amount ( {$280.00} ) 3. Delete all status codes or derogatory remarks tied to this false delinquency 4. Update the account to reflect : Current / Never Late for XXXX  XXXX. Remove any derogatory notations associated with this reporting error -- - VI. NOTICE OF FCRA VIOLATIONS If Equifax verifies inaccurate information without documentation from XXXX, or relies solely on the furnishers verbal response, this will constitute : FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy If the inaccuracies remain, I will file : A formal CFPB complaint A complaint with the XXXX XXXXXXXX XXXX complaint with the California Attorney General A civil action under FCRA 616 and 617 for willful/negligent noncompliance -- - VII. REQUEST FOR WRITTEN RESULTS Please send the reinvestigation results to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX -- - XXXX. ATTACHED DOCUMENTS Extension approval email Payment extension confirmation Proof of {$50.00} extension fee Proof of XX/XX/year> payment Copy of my drivers license Copy of current credit report showing the error -- - Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief