Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed this account with XXXX a few times regarding these late payments. 
I am writing to dispute the accuracy of the information thats on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
XXXX. Late Payments The credit report reflects [ number ] late payments, which I believe are inaccurate. I request proof of these late payments, including the dates of each missed payment and documentation showing when the payments were due and when they were received. 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information to consumer reporting agencies must not report information if they know or have reasonable cause to believe it is inaccurate. Please verify and correct these late payments. 
XXXX. Inaccurate Highest Balance Information The highest balance reported for my account is [ insert amount ], which exceeds my credit limit of [ insert credit limit amount ]. This is inaccurate and violates 15 U.S.C. 1666b, which mandates that creditors must report accurate information regarding credit limits and balances. I request a detailed explanation of how this highest balance was calculated and why it exceeds my credit limit. 
XXXX. Failure to Ensure Accuracy in Credit Reporting Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy in the reports they generate. It appears that these procedures were not followed in reporting the late payments and highest balance on my account. 
XXXX. Obligations for Prompt Investigation and Correction According to 15 U.S.C. 1681i, I am entitled to have any disputed information investigated. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from my credit report. Please conduct a thorough investigation into my dispute and notify me of the outcome, including the results and any changes made to my report. 
XXXX. Obligation to Delete Obsolete Information Additionally, I would like to remind you of your obligation under 15 U.S.C. 1681c, which restricts the reporting of obsolete information, such as outdated late payments, bankruptcies, or collections. If any information on my credit report is past the statutory reporting period, it should be removed immediately. 
XXXX. Civil Liability for Willful Noncompliance Please be aware that under 15 U.S.C. 1681n, any person who willfully fails to comply with the requirements of the FCRA is liable to the consumer for damages. Should I find that the inaccurate information continues to be reported, I will consider all legal remedies, including seeking damages for willful noncompliance. 
________________________________________ In summary, I request the following : Proof of late payments : Specific dates and supporting documentation of when the payments were considered late. 
Validation of the highest balance : Clarification of why my highest balance exceeded my credit limit, and the correct information, if applicable. 
Correction or removal of inaccurate information : Immediate action to correct any inaccuracies. 
Written confirmation : Notification of the results of your investigation and the updated status of my account within 30 days of receipt of this letter.