Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my 3 bureau credit report, I noticed some late payments posted on my credit report XXXX XXXX XXXX Account number XXXX Your company is in clear violation of the law under 15 USC 1681 b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates to. Did I give written instructions to finish this on my credit report? Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). ( 2 ) Exclusions except as provided in paragraph ( 3 ) The term consumer report does not include ( a ) subject to section 1681s-3 of this title, ( I ) any report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report this agency is in violation of 15 USC1681n Failure to respond satisfactorily with deletion of the listed referenced account, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company. 1. Defamation of character ( per-se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations for willful non compliance-616 civil liability for willful non compliance 15 USC 1681n 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any late payment. I credited the transaction with my credit card/social security card . The late payments are in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. And banks are dependent upon accurate information how can u guarantee accuracy when the reporting history and dates keep changing on this account and all 3 of my credit reports are reporting different information. And they also reported it late while I was disputing a late payment on my account already. I have zero confidence that my personal information is safe and secure with this reporting agency and my information is being reported incorrectly. 

Also how can I be paid on time in XXXX then they turn around and turn that paid on time to a 30 day late payment. Also a month before paid then my account jumps to 60 days late. that is impossible so Equifax has listed that my payment is 60 days late in XXXX and I was not late in XXXX, Equifax and XXXX is not reporting accurate information and is in violation of consumer rights and I would like to seek damages for defamation of character.

Company response to consumer: Closed with explanation