Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX Last four of social # XXXX Account # XXXX ( XXXX ) To whom it may concern : Thank you for taking time to read this letter. Im writing because I noticed that my most recent credit report contains a 30 day late payment from ( XXXX ) I understand my financial obligations and I never intended to miss a payment. I have been unable to access my XXXX ( XXXX ) since XX/XX/2021. The reason why is because I changed my phone number, so I didnt have access to XXXX XXXX XXXX in order to pass the authentication process ( 4-digit code they send for verification ). This led to me being locked out the account. I spoke to a rep a few months ago when I disputed the charges and explained that Im locked out of that old account. She processed the dispute, and I thought I was good to move on from there, but the dispute result didnt come back in my favor. The results were sent to that old email and its no way I could have ever known. I gave the rep my updated mailing address and phone number but still she sent it to that XXXX knowing I could never gain access to it. This morning I received the devastating news that I had 30-day late notice on my XXXX and its tearing me to pieces. I paid off the total amount withing hours of receiving the news. I worked very hard to get my credit to where its at now and I was a month away from trying to purchase my dream home. I have always been in good standing with this company maintaining a XXXX balance for months before this situation occurred. I even had plans to re-apply with XXXX XXXX under my current XXXX XXXX It has never been my intentions to miss any payments. I simply just wasnt aware. I truly believe that this 30day late payment doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me and my family immensely if you could give me a second chance and make a goodwill adjustment to remove the 30 day late payment. Thank you for your consideration, and I hope youll approve my request Furthermore I would like to remind you that my consumer rights are being violated according to 15 U.S. Code 1666b - Timing of payments ( 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. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 



1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 





I XXXX XXXX XXXX XXXX, most certainly made the representative I spoke to when I initiated the disputes, aware that I was unable to access that old XXXX account ( XXXX ). Its no way I could have ever known the disputes didnt come back in my favor. I never had a fair chance to fulfill my financial obligation to XXXX XXXX XXXXXXXX XXXX . I have also enclosed a copy of my XXXX contract in which you will see that the activation of my phone number was in XX/XX/2021, therefore proving that I have not had access to my old phone number XXXX since then. Further investigation of my old XXXX account ( XXXX ) will show that all messages before XX/XX/2021 will show unread because I simply cant gain access. If the representative would have noted the account and had my results mailed to me I could have had made this payment on time and avoided this stressful outcome. Please do not consciously avoid looking into my situation.

Company response to consumer: Closed with explanation