Consumer complaint received 2024-02-27
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. (DE)

I am writing to formally dispute certain items appearing on my consumer report, as maintained by EQUIFAX pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such. This tradeline XXXX Account number : XXXX, is reporting late payments for XX/XX/XXXX, XX/XX/XXXX AND XXXX XXXX. 15 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. This information paints an inaccurate picture of my credit history. I kindly request an investigation into this matter and urge you to rectify this error promptly and remove the late payments. This also violates the Privacy Act of 1974, as amended, 5 U.S.C. 552a ( b ) Conditions of Disclosure No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be : ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 

When i looked on my consumer report via myequifax account to dispute these items : " DATE OF LAST PAYMENT SECTION '' ( under dispute section ) the data reads : XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX. 

The data on my consumer report the data under " PAYMENT HISTORY '' reads XX/XX/XXXX '' 60 days late ; XX/XX/XXXX 90 days late ; XX/XX/XXXX 60 days late. This data conflicts with the data in the dispute section and is inaccurate. 

2. XXXX XXXX XXXX XXXX I request that you conduct a thorough review of these discrepancies and provide me with a detailed explanation of the charges in question. Additionally, I am enclosing any supporting documentation that may assist in resolving this matter. 
3. XXXX XXXX XXXX XXXX I request that you conduct a thorough review of these discrepancies and provide me with a detailed explanation of the charges in question. Additionally, I am enclosing any supporting documentation that may assist in resolving this matter. 

In light of the aforementioned inaccuracies, I hereby request that your agency conduct a reasonable and thorough investigation into the disputed information. Specifically, I kindly ask for you to verify the accuracy of the disputed information and provide me with a record of the current status of these items. Alternatively, I request that you remove the items entirely from my consumer report if they are indeed found to be inaccurate. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you have a legal obligation to investigate consumer disputes within 30 days of receipt of this letter. I therefore expect a prompt response outlining the steps taken to address my concerns and to rectify the inaccuracies identified. 

Enclosed with this complaint, please find copies of supporting documents that further validate my claims and assist in your investigation. This includes copies of official identification documents, such as my driver 's license, that clearly indicate my correct name, as well as proof of current and previous addresses.