Consumer complaint received 2025-01-03 00:00:00
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.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute inaccurate information regarding late payments reported on my credit report for the XXXX BANK account and to request a detailed description of the investigation process, as required by the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 USC 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures followed in investigating this dispute. I expect this information within 15 days of receiving this correspondence. 
Account Details : Account Number : XXXX Account Type : Mortgage Account Type - Detail : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX Account Status : Closed ( XXXX XXXX, Paid ( XXXX and Equifax XXXX Date Opened : XX/XX/XXXX High Credit : {$190000.00} Balance : {$0.00} Monthly Payment : {$0.00} Past Due Amount : {$0.00} Reported Late Payments : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax XXXX XX/XX/XXXX, XX/XX/XXXX These inaccuracies were previously disputed on XX/XX/XXXX and XX/XX/XXXX, yet the errors persist. The account details on the three credit reports contain the following errors : Late Payment Reporting : No valid proof has been provided to substantiate the late payments reported for the above-mentioned dates. My records indicate all payments were made on time. 
Discrepancies in Key Dates : The " Date Last Active '' and " Date of Last Payment '' are inconsistent across reports, leading to inaccuracies. 
Incorrect Account Status : The account is erroneously reported as " Closed '' instead of " Paid As Agreed Never Late '' in some bureaus. 
Violations and Legal References : Under 15 USC 1681e ( b ), credit reporting agencies must maintain procedures to ensure maximum possible accuracy of the information in consumer reports. The inaccuracies outlined above demonstrate a failure to comply with this requirement.

As per 15 USC 1681s-2 ( a ), furnishers of information are obligated to provide accurate information.

Per 15 USC 1681i ( a ) ( 5 ) ( A ), if an investigation can not verify the accuracy of disputed information, the item must be promptly deleted or corrected.

Additionally, I am requesting documentation to support the reported late payments, including : Payment records for the disputed dates.

Communications substantiating the claim of late payments.

Evidence of compliance with 15 USC 1666 ( b ) and 15 USC 1637 ( b ) regarding proper notification and reporting of billing and payment cycles.

If the investigation can not verify the late payments, I demand that the account status be updated to " Paid As Agreed Never Late '' immediately.

PAANL ( Paid As Agreed Never Late ) : The terms of my agreement have been consistently adhered to, and the account history should reflect my timely payments. Failure to rectify these inaccuracies constitutes a direct violation of the FCRA and adversely impacts my credit standing. 
Please address this matter with urgency and provide a written response detailing the resolution and investigation process within 30 days as required by the FCRA. Should you fail to comply, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter. I look forward to a timely and accurate resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation