Consumer complaint received 2023-12-31
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. (LA)

Dear CFPB & Equifax, On XX/XX/2023 I filed a complaint asking for the investigation into account listed on my consumer report that believe to be inaccurate and I requested an investigation. There are still items remaining on my credit report that is not accurate and I request the deletion of these account immediately. XXXXAccount # XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXXXXX XXXX-Account XXXX Furthermore I request the deletion of the unauthorized and unverifiable late payment reporting on my report dated XX/XX/2023 for XXXX XXXX XXXX XXXXXXXX15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.15 U.S. Code 1666b - Timing of payments FCRA , specifically 15 U.S.C. 1681, Section 602 ( A ), affirms my right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( A ), Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c, ( a ) ( 5 ) Section sets forth that no consumer reporting agency may include specific items of information in a consumer report, including " any other adverse item of information, '' except for records of convictions of crimes that predate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I demand the removal of these erroneous accounts and late payment. With the following attached proof that these accounts is not in compliance with the FCRA. The mentioned account has violated my right. I demand immediate deletion of mentioned account and late payment. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), I am seeking a detailed description of the procedure employed by your bureau in providing all relevant information to the original creditor during the processing of my dispute. As stipulated in FCRA 611 ( a ) ( 2 ) ( b ), it is my understanding that your agency is obligated to forward all pertinent information to the original creditor to facilitate a thorough investigation of my dispute. Therefore, I kindly request that you furnish me with ALL information utilized in your investigation, as mandated by FCRA 611 ( a ) ( 7 ). Please ensure that your response is sent via mail to the address listed above. I wish to remind you that, per FCRA regulations, you are required to provide this information within 15 days or, alternatively, delete the negative items from my credit report.