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: MI

Complaint narrative:
Re : FORMAL DISPUTE & DEMAND FOR CORRECTIVE ACTION XXXX XXXX XXXX XXXX XXXX XXXX Installment / Unsecured Loan To Whom It XXXX Concern : This is a formal notice of dispute and demand for immediate correction and removal of inaccurate late payment notations being reported by your agency regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The tradeline shows multiple XXXX and XXXX late payments, which are : Factually inaccurate Unverified Legally noncompliant with federal statutes You are reporting this information despite my prior dispute ( XXXX ) and despite your own record of " Dispute Resolved; Customer Disagrees. '' This letter is your final opportunity to correct this matter before legal escalation. 

FACTUAL ERRORS : The payment status contradicts itself : Legally Paid in Full for Less Than the Full Balance ( suggesting settlement ) Yet it also reports Not More Than XXXX Payments Past Due and 60 Days Late 7 Times inconsistent and incoherent reporting. 

Reported last activity dates ( XXXX ) do not match account opening in XXXX with only a XXXX term. 

Account is closed with a {$0.00} balance late payment history is irrelevant and misleading after resolution and settlement. 

LEGAL VIOLATIONS 1. FCRA 15 U.S. Code 1681 ( Section 602 ) Congress explicitly states that : " Consumer reporting agencies have a grave responsibility to ensure fair and accurate credit reporting. '' This accounts conflicting and outdated derogatory notations violate this mandate.

2. FCRA 15 U.S. Code 1681b ( Section 604 ) Your continued reporting of disputed, unverifiable derogatory information without permissible purpose and verified accuracy is a gross abuse of your access to and dissemination of my credit data. 

XXXX. Truth in Lending Act 15 U.S. Code 1666b This mandates that creditors must give a grace period and proper billing error resolution opportunity. The repeated XXXX late marks appear to violate timing and application of payments, especially in cases where the account was under dispute, negotiated, or resolved. 

You can not legally penalize a consumer post-settlement by retroactively imposing late marks once the account has been closed in good faith. This is a violation of TILA protections and reporting fairness. 

DEMAND FOR CORRECTION : You are hereby instructed to do the following : REMOVE all XXXX and XXXX late payment notations from all credit bureau files immediately . 

Correct the payment status to reflect the resolved nature of the account with accurate, neutral language. 

Provide verification with original documentation, including a full payment ledger and creditor correspondence within 30 days. 

FAILURE TO COMPLY : If you do not comply with this formal demand, I will : File complaints with the CFPB, FTC, and state Attorney Generals office Pursue legal action under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, seeking statutory damages, punitive damages, and attorneys fees

Company response to consumer: Closed with non-monetary relief