Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed an account that was not reporting accurately. The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Balance Owed : {$15000.00} Payment Status : Current I identified late payments reported for this account that I dispute as being inaccurate. According to my records, all payments were made on time, and there were no instances of delinquency. Specifically, the discrepancies and errors in the reported late payments are as follows : Late Payment Discrepancies : XXXX and XXXX : Late payments reported for XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
Equifax : Late payments reported for XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
Errors and Inconsistencies : Dispute Status : XXXX and XXXX list the account as " Account not disputed, '' while Equifax lists it as " Account disputed. '' Creditor Remarks : XXXX states " Dispute resolved; customer disagrees, '' XXXX states " Subscriber reports dispute resolved - consumer disagrees, '' and Equifax states " Consumer disputes after resolution Auto. '' Payment History : The two-year payment history reflects inconsistent reporting of late payments across the bureaus, which contradicts my payment records showing on-time payments. 
Verification Dates : The " Last Verified '' date is listed as XX/XX/XXXX for XXXX but is missing for XXXX and Equifax. 
Legal Grounds : I would like to bring to your attention that, per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. The reported late payments negatively impact my consumer report and are inaccurate representations of my payment history. 
Additionally, I request that you provide me with the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me not later than 21 days before the payment due date. Include all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. 
Requested Action : Documentation : I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. 
Correction : If you can not provide valid proof, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Investigation Procedures : Provide a description of the procedure used to investigate and verify this account as required under the FCRA. 
Timeline : Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
Supporting Documents : I have attached the following documents to support my claim : A copy of my credit report highlighting the discrepancies. 
Records of my payment history for the disputed period. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief