Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX and Experian / Transunion / Equifax Re : Formal Dispute & Request for Investigation Account Name : XXXX XXXX XXXX XXXX Account Number Ending : XXXX Reported XXXX Late Payments Balance : {$890.00} / Credit Limit : {$800.00} Date Opened : XX/XX/XXXX Status Updated XX/XX/XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the information being reported on my credit file for the above referenced XXXX XXXX XXXX XXXX  account. Your reporting shows XXXX late payments, along with other inconsistencies that do not reflect verifiable, accurate, or fully validated data.

Under my rights granted by Federal law, you are required to investigate and provide proof of accuracy or delete this account entirely.

LEGAL BASIS FOR THIS DISPUTE 15 USC 1681i & 15 USC 1681i ( a ) ( 6 ) You are required to conduct a reasonable investigation and provide written results within 30 days, including documentation used in your verification process. If you can not verify with original source documentation, this account must be corrected or removed.

15 USC 1666b Payments must be credited as of the date received. Any delay in posting payments or failure to process in a timely manner may result in inaccurate delinquency reporting, which must be corrected.

15 USC 1681A Only information that is accurate, complete, and verifiable may be reported. Any unverifiable late payments violate the definition of permissible consumer reporting.

15 USC 1681s-2 ( a ) Furnishers are prohibited from reporting information they know or should reasonably know is inaccurate. Continuing to report unverified or incomplete data is a direct violation of Federal responsibility.

15 USC 6802 You are required to protect the integrity, accuracy, and usage of consumer information. If you can not validate data with original account-level records, continued reporting constitutes non-compliance. 

DEMAND FOR ACTION I require the following within 30 days of receipt of this letter : Provide documentation validating ALL late payments reported, including timestamped payment posting records. 


If you can not verify with original records, you are required by Federal law to delete or correct this item.

Provide full written results of your investigation in compliance with 15 USC 1681i ( a ) ( 6 ).

Failure to comply, furnish proof, or correct errors will result in escalation, including complaints to : CFPB, FTC, Attorney General, and legal remedies available to me. 
I expect full compliance within the legally required timeframe. 

Sincerely, _________________________________ ( Signature ) Your Printed Name If youd like, I can generate another version even more aggressive, a follow-up letter for non-compliance, or one tailored for each bureau separately. 
Would you like me to prepare a second-strike enforcement letter as well?

Company response to consumer: Closed with non-monetary relief