Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXXXXXX XXXX account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : XXXX : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments. 
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history. 
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records. 
The account status is marked as " XXXX, '' but the late payment notation is not supported by my payment history. 
Equifax : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX. 
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments. 
This account has been reported inconsistently across the XXXX bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies. 
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXX XXXX  account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA. 
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ). 
Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status. 
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within XXXX XXXX 
Thank you for your cooperation in maintaining accurate reporting standards. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation