Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10876517

Complaint Overview

Complaint ID: 10876517

Company: Equifax, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Was not notified of investigation status or results

State: Florida

ZIP Code: 344XX

Date Received: 2024-11-20T12:00:00-05:00

Date Sent to Company: 2024-11-20T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XX/XX/year>XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute an error in the reporting of my XXXX XXXX account ( # XXXX ) on my credit report. Specifically, your records indicate a 30-day late payment for XX/XX/year>, which is inaccurate. I have reviewed my payment history, and my records confirm that all payments for this account were made on time, including the payment in question. Reason for Dispute : The reported late payment is inconsistent with my financial records, which show that I made my payment for XX/XX/year>XXXX well within the due date. This error is damaging to my creditworthiness and must be corrected immediately. Supporting Documentation : To aid your investigation, I have included : A highlighted copy of my credit report identifying the disputed entry. A copy of my government-issued ID for identity verification. A copy of my Social Security number card to ensure accurate identification. Legal Framework and Request for Action : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputes and ensure all information reported is accurate. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a detailed description of the procedures used during your investigation. 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : A consumer report must not contain information that is inaccurate or unverifiable. I hereby request the following : Correction of the inaccurate late payment. Update the account to reflect the correct status of " Paid As Agreed Never Late. '' A detailed explanation of your investigation process, including how the reported late payment was verified. Documented evidence supporting the claim of a late payment, including the date, amount, and any related communication. In the absence of verifiable proof of a late payment, I demand that you promptly update this account to reflect its accurate payment history. Failure to address this issue within the 30-day timeframe mandated by the FCRA will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ). Summary of My Expectation : Account Status : Paid As Agreed Never Late Updated Payment History : Accurate reflection of my on-time payment history Investigation Report : Explanation of procedures followed and evidence reviewed Thank you for your immediate attention to this matter. I look forward to your response and resolution within the legally required timeframe. Sincerely, XXXX XXXX XXXX XXXX

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