Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand to Remove Inaccurate and Legally Unverifiable Delinquencies XXXX XXXXXXXX XXXX XXXXXXXX ( Acct. ending in XXXX ) To Whom It May Concern, This is a formal dispute filed under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). I am demanding an immediate investigation and deletion of all late payment notations and derogatory remarks associated with the above-referenced closed account reported by XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

This account is labeled as PAID AND CLOSED, with a {$0.00} balance. Yet derogatory marks including 30 and 60-day late payments as recently as 2025 remain on record. This is unlawful and misleading for the following reasons : VIOLATIONS & DISPUTED INACCURACIES : 1. Account Status is PAID_AND_CLOSED, yet derogatory late payment notations exist. Under FCRA, no late payments can be reported after an account has been satisfied and closed with a {$0.00} balance.

2. Balance and Actual Payment both report {$0.00}, but late payments are reported. There is no substantiated evidence of delinquency. Without proof of a remaining balance or owed amounts, any payment history shown as late is not only unverifiable, it is fabricated reporting in violation of FCRA.

3. No Date of Last Payment is accurately documented, while payments were allegedly missed. This failure to provide a clear and complete payment history contradicts the standards set by FCRA 607 ( b ), which requires that all information be complete and up to date.

4. This account reflects no present debt obligation, and yet it continues to penalize my credit report this constitutes continued harm and inaccurate profiling, which violates my consumer protection rights.

DEMAND FOR ACTION : I demand that all late payment notations ( 30-day and 60-day delinquencies ) be immediately deleted from this account. 

I request verification documentation from XXXX XXXXXXXX XXXX XXXX including the signed promissory note, payment ledger, notice of delinquency, and proof of default if Equifax and the data furnisher insist on maintaining this derogatory reporting. 

If no such evidence exists, as I suspect, you are legally required to delete the account derogatories. 


Failure to correct and delete this information within 30 calendar days from the date of receipt constitutes willful noncompliance and opens both the data furnisher and Equifax to legal liability under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance 15 U.S.C. 1681s-2 ( b ) ( 1 ) Reinvestigation and correction duties If no corrective action is taken, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and initiate a civil action seeking all available statutory damages, including punitive damages for continued harm caused by unlawful credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief