Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greetings to whom it may concern, Dispute XXXX Late Payments Please see attached all documentation. 
Please look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is wrong and needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( I ) Definitions in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 
( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



XXXX : Please investigate and mark paid as agreed. 

XXXX XXXX XXXX XXXX : XXXX  30 days late XXXX : XXXX 60 days late XXXX : XXXX 90 days late XXXX : XXXX  120 days late XXXX : XXXX 150 days late XXXX : XXXX 150 days late XXXX XXXX XXXX 150 days late XXXX : XXXX 150 days late XXXX : XXXX XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX  30 days late XXXX XXXX XXXX XXXX XXXX 30 days late XXXX : XXXXXXXX XXXX  XXXX XXXX  30 days late XXXX XXXX 30 days late XXXX XXXX XXXX  : XXXX XXXX XXXX 30 days XXXX XXXX XXXX  30 days late XXXX XXXX 60 days late XXXX : Please investigate and mark paid as agreed. 
XXXX : Account # XXXX XXXX XXXX  XXXX XXXX XXXX 30 days late XXXX : XXXX 30 days late XXXX XXXX XXXX XXXX XXXX  30 days late XXXX XXXX  30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX XXXX : XXXX 30 days late XXXX XXXX : XXXXXXXX XXXX  XXXX : XXXX 30 days late XXXX : XXXX 60 days late XXXX : XXXX  60 days late XXXX : XXXX XXXX : XXXX 90 days late XXXX : XXXX XXXX : XXXX  90 days late XXXX : XXXX XXXX  XXXX : XXXX 90 days late XXXX  : XXXX XXXX XXXX XXXX  30 days late XXXX XXXX 30 days late XXXX XXXX XXXX : XXXX XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 60 days late Equifax : Please mark as Paid as agreed. 

XXXX : XXXX Equifax : XXXX XXXX  30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX XXXX XXXX XXXX  30 days late XXXX  : XXXXXXXX XXXX XXXX XXXX  30 days late XXXX XXXX 30 days late XXXX XXXX XXXX  : XXXX XXXX XXXX  30 days XXXX XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late