Credit reporting or other personal consumer reports — EQUIFAX, INC. (GA)

Reporting company used your report improperly. According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent.