Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Late Payment Reporting on XXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute the inaccurate reporting of a late payment on my Kickoff account, which appears on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance to ensure the accurate reporting of my account information. XXXX. Dispute of Inaccurate Reporting : The reported late payment on my XXXX account is erroneous. I have always made my payments on time, and I dispute the validity of this reported delinquency. Under the Metro 2 standard, which you are obligated to follow, the reporting of account status and payments must be accurate, timely, and verifiable. XXXX. Challenge to Method of Verification : I challenge the method by which this late payment was verified. Under the FCRA and Metro 2 guidelines, you are required to provide a detailed and specific method of verification used by the furnisher ( XXXX ) to confirm the accuracy of the late payment. The standard " verified as accurate '' response is not sufficient. Please provide me with the full details of the investigation process, including who at XXXX was contacted, the documentation provided, and how this determination was made. XXXX. Timing of Payment : I also dispute the timing of the payment reported as late. According to Metro 2 reporting standards, the timing of any delinquency must align with the actual due date of the payment, and any deviation from this should be properly documented. I request that you investigate and ensure that the correct payment date is accurately reflected in your records. XXXX. Request for Reinvestigation : As the current reporting does not comply with Metro 2 guidelines, I request that XXXX reinvestigate this matter and update my credit report accordingly. Please provide written confirmation that this disputed information has been removed or corrected. If you fail to remove this inaccurate information, I request a description of the procedures used during the investigation, as mandated by law. Per 15 USC1681n ( a ) ( 1 ) ( A ) of the FCRA allows consumers to recover up to {$1000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports I am challenging any hard inquires or unauthorized accounts without a permissible purpose. 15 U.S. Code 1666b - Timing of payments Also I noticed some incorrect personal information being reported on my credit which I am demanding to be correct immediately! Please be advised that failure to comply with the FCRA and Metro 2 standards will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for noncompliance. Thank you for your prompt attention to this matter. I expect a response within the time frame prescribed by the FCRA ( 30 days ). You can contact me via the information listed above if further details are required. Sincerely, XXXX XXXX