Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late Dear Sir or Madam, I recovered from XXXX and fought XXXX XXXX thank god. My family and cant continue to be turning bad news. This account was never late and was paid in full. Please have a heart and help us. Only you have the power. We are just a little family. We need help. 
After obtaining my credit report, I noticed that it shows late payments on the above account with your company. It specifically states that I was I have never been late. This has damaged my credit score and extremely troubling. Please remove paid less than owed please. It was paid in full. God Bless. 
I am sure you aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 
You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 
To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. 
Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. 
Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. 
If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, Equifax and XXXX, and any others. 
If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 
Im thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Real Estate Accounts : Primary and secondary mortgages on your home XXXX XXXX  XXXX  Equifax Account # : XXXX XXXX XXXX High Balance : {$390000.00} {$390000.00} {$390000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Paid Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Finance/Personal Mortgage Companies Mortgage Companies Account Status : Closed Closed Open Payment Status : Late 120 Days Unknown Late 120 Days Creditor Remarks : Settled - less than full balance Account legally paid in full for lass than the full balance. 
Account legally paid in full for less than the full balance. 
Consumer disputes - reinvestigation in progress Settlement accepted on this account Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 480 Month ( s ) -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Conventional real estate mortgage Conventional real estate mortgage -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- unkown

Company response to consumer: Closed with explanation