Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It also shows the ORIGINAL Terms were 42 Months. The loan was paid in 42 Months. Additionally the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately.

IT ALSO SHOWS 60 DAYS LATE.

HOW CAN YOU BE 60 DAYS LATE BEFORE YOU BECOME 30 DAYS LATE?

I INCLUDED A SNAPSHOT OF MY REPORT SHOWING THIS INACCURATE INFORMATION.

Specific Inaccuracies FIELD Currently Reporting Correct Information FCRA Violations Metro 2 Violations Payment Status Late Status for XX/XX/year> Paid/Closed/Never Late -15 U.S.C 1681c -15 U.S.C 1681e ( b ) -15 U.S.C 1681i Base/17A : Incorrect Payment Status. Base/19 : Improper Comment Code. Account Status Closed/Derogatory Closed/Positive -15 U.S.C 1681e ( b ) -15 U.S.C1681i ( a ) ( 1 ) -15 U.S.C 1681a Base/17A : Incorrect Account Status Comments Loan Modified Paid/On Time/Never Late -15 U.S.C 1681i ( c ) - 15 U.S.C 1681O - 15 U.S.C 1681N Base/19 : Improper Special Comment Code Legal Violations The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act. - Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report. Demand for Immediate Action I demanded that you immediately : 1. Update the payment status to reflect Paid/Current 2. Update the account status to reflect Closed/Positive 3. Remove all comments referring to a Loan Modified. 4. This account is paid, current and NO balance is owed, and NEVER 30 days late. Failure to respond satisfactory within 30 days will result in a small claims action against your agency. I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k.

Conclusion : I ALSO HAVE DOCUMENTS FROM MY BANK SHOWING MAILED PAYMENTS BEING SENT BACK DUE TO XXXX XXXX XXXX XXXX  NOT ACCEPTING THE PAYMENT DUE TO LOW AMOUNT. ALSO, ON THE XXXX WEBSITE IT SHOWS THE FOLLOWING ONLINE PAYMENTS : THESE ARE USUALLY THE FASTEST WAY TO MAKE A PAYMENT AND WILL BE REFLECTED IN YOUR ACCOUNT QUICKLY. WHAT IS QUICKLY IN THERE PERSPECTIVE? I HAVE PROOF ONLINE PAYMENTS TOOK 4-5 BUSINESS DAYS TO POST ON THE ACCOUNT. IS THAT QUICKLY? I BELIEVE NOT. I BELIEVE THIS WAS A TACTICAL BY XXXX XXXX XXXX XXXX  TO RECEIVE EXTRA REVENUE THROUGH UNETHICAL PRACTICES.

I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. I will escalate this matter through legal channels.

Company response to consumer: Closed with non-monetary relief