Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is what I sent Equifax : I am writing to formally dispute the accuracy of the information currently being reported on my credit report. I am a real person not a Bot or a credit repair agency. Specifically, I am contesting the late payment notation for XX/XX/2018, which is reported as " 90 days late. '' I firmly believe that this information is inaccurate and should be deleted from my credit report. 
The reason for my dispute is that there are no prior late payments of 30 days or 60 days preceding the alleged 90 days late payment in XX/XX/2018. It is important to emphasize that my payment history has consistently been in good standing, and this isolated 90 days late entry is an anomaly that does not accurately reflect my credit history. 
INACCURATE ITEMS IN DISPUTE : FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. 


FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. 


FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. 


In accordance with the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verifiable information on my credit report. The presence of this inaccurate late payment notation negatively affects my creditworthiness and could have serious consequences for my financial well-being. Therefore, I kindly request that you investigate this matter thoroughly and promptly delete the erroneous late payment entry from my credit report. 
Please conduct a comprehensive review of my credit report and take the necessary steps to correct this inaccuracy. I kindly request that you provide me with written confirmation of the resolution of this dispute, including the removal of the inaccurate information from my credit report, within the legally mandated time frame. I understand that you have a legal obligation to investigate and address disputes in a timely manner, and I appreciate your prompt attention to this matter. 


Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 

Enclosures : Official Equifax Credit Report ( Showing The Inaccuracy HIGHLIGHTED ) Current Florida Driver License BILL SHOWING MY CURRENT ADDRESS : U.S. DEPARTMENT OF EDUCATION

Company response to consumer: Closed with non-monetary relief