Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Request for Removal of Inaccurate Late Payment Entry Dear Equifax Consumer Services, I hope this letter finds you well. I am writing to dispute a late payment entry that appears on my credit report with Equifax. Upon careful review of my credit reports from XXXX and XXXX, I have noticed that the late payment entry in question does not match the information provided by these two credit reporting agencies. As per consumer protection laws, I kindly request that you investigate this matter and remove the inaccurate late payment entry from my Equifax credit report. 
I would like to emphasize the importance of maintaining accurate credit information, as it directly affects my financial standing and creditworthiness. It is crucial that all credit reporting agencies adhere to the Fair Credit Reporting Act ( FCRA ), which ensures that consumer credit information is reported accurately, completely, and fairly. 
Enclosed with this letter, please find copies of my credit reports from XXXX and XXXX, highlighting the absence of any late payment entries for the specified account. These reports serve as supporting evidence to demonstrate the discrepancy between Equifax 's record and that of the other credit reporting agencies. It is evident that there has been an error in reporting, and I kindly request your prompt attention to rectify this situation. 
In accordance with the FCRA, I am requesting the following actions be taken : 1. Thoroughly investigate the late payment entry in question, including verifying the accuracy of the information reported.

2. If the investigation confirms the inaccuracy of the late payment entry, promptly remove it from my Equifax credit report.

3. Provide me with a written response detailing the actions taken to resolve this matter within the legally mandated timeframe of 30 days.

Furthermore, I would like to remind Equifax of its obligations under the FCRA to ensure that the information it reports is fair and accurate. This includes promptly updating and correcting any inaccurate or incomplete information, as well as maintaining a reasonable investigation process for consumer disputes. This violates 15 U.S. code 1666b.

I expect Equifax to handle this matter with the utmost urgency and professionalism. Failure to comply with the FCRA or rectify this issue within the specified timeframe may compel me to exercise my rights under the law to seek legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action.

Please acknowledge receipt of this letter and provide me with a written confirmation of the actions taken to resolve this dispute. I can be reached at the phone number or email address provided below should you require any further information or documentation regarding this matter. 
Thank you for your attention to this issue. I look forward to a swift resolution and the removal of the inaccurate late payment entry from my Equifax credit report.

Company response to consumer: Closed with explanation