Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit account under an ope 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit account under an ope 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit account under an ope 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit account under an ope 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit account under an ope 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX  Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit account under an ope 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a CHARGE-OFF, A CHARGE-OFF is considered a certificate of indebtedness which means it is income and it must be REMOVED. Income CAN NOT be reported on my credit report. This is ILLEGAL, ITS A VIOLATION! You CAN NOT CHARGE-OFF DEBT AND TRY TO RETRIEVE THE DEBT. 

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a CHARGE-OFF, A CHARGE-OFF is considered a certificate of indebtedness which means it is income and it must be REMOVED. Income CAN NOT be reported on my credit report. This is ILLEGAL, ITS A VIOLATION! You CAN NOT CHARGE-OFF DEBT AND TRY TO RETRIEVE THE DEBT. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in violation of the Family Education and Privacy Act of 1974. When you signed this document you stated you would not provide my information to anyone.

per 15 USC 1681 - permissible purposes of consumer report has to be accurate.

per the FCRA as a Federally protected consumer i am now opting out of all authorization. I the consumer may have given you written and unwritten verbal and nonverbal per 15USC 6802.

Company response to consumer: Closed with non-monetary relief