Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I submitted the below dispute with XXXX XXXX several times. I have called several times and reached no resolve. The account has been closed almost a year now. The account is paid in full and XXXX XXXX continues to report inaccurate information. They have just recently sent me billing statements and I have validated with the representative and supervisor everyone even the customer service reps can see the mistake but the investigative division is not resolving.

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to the credit card account with XXXX XXXX acct # XXXX, for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts that are reporting to Equifax, XXXX  and XXXX  are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes. 
Identification of the specific information being disputed All 3 bureaus are reporting different information. 

I am requesting that the derogatory late payment on XX/XX/XXXX & XX/XX/XXXX on my Equifax report be removed. I am requesting that the late payment on my XXXX  report from XX/XX/XXXX and XX/XX/XXXX be removed. I am requesting that the late payment on my XXXX  report for XX/XX/XXXX and XXXX be removed. The information being reported to credit is consistently inaccurate for account number XXXX. 

Basis for the dispute : In the year XXXX I went to pay my XXXX XXXX card and the agent promised to credit a late fee of {$35.00}. The agent gave me a call about bringing my account current which at the time WAS NOT 30 days past due. The credited late fee of {$35.00} and my last payment were supposed to bring the account current and bring the balance to {$0.00}. We discussed the card being closed and the balance being {$0.00}. The representative stated the credit would take a few days to reflect and instead the account grew delinquent because of the lack of credit placed by XXXX XXXX as promised. The late payment was never credited until over 45 days or so later I spoke with XXXX XXXX and had the account credited and closed ( AGAIN ). This credit reporting is an error on the part of XXXX XXXX. I had the card for a little under 2 years and you are reporting 2 late payments.

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements. the last 2 years of payment history and can you also provide all dates that the payments were made and all dates that late fees were credited to the account. 

statement attached shows where the additional credit was missed. 


I have made several attempts to get this dispute resolved. I plan to seek legal action with my attorney. I have not received the documents requested. I was sent billing statement for all billing periods excluding the periods that included the billing credit.

Company response to consumer: Closed with explanation