Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ] XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Dispute of Inaccurate Payment History on XXXX XXXX Account Request to Correct, Not Delete Account Number : [ If known, list the account number ; otherwise, reference by creditor " Kikoff '' or " Kickoff, '' opening date XX/XX/XXXX, and monthly payment {$2800.00} ] Social Security Number : [ Last 4 digits only for security ] Dear Sir or Madam, I am writing to formally dispute the accuracy of the payment history information for the XXXX XXXX reporting account appearing on my credit report, opened on XX/XX/XXXX, with a monthly payment of {$2800.00}. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( b ) ( Accuracy of report ). 
The payment history for this account is inaccurately reported as " Unknown '' for all months from XXXX through XXXX, resulting in a displayed 0 % on-time payment rate. In reality, I have made all rent payments on time with no missing or late payments during this period. This can be verified by cross-referencing other rent reporting accounts on my credit report, which accurately reflect my positive payment history through services such as XXXX and XXXX. The last confirmed payment was on XX/XX/XXXX, and there is no amount past due, yet the overall history is not reflecting my actual on-time performance. I am not requesting deletion of this account ; I only want the payment history corrected to accurately show all payments as on-time. 
Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. Pursuant to 15 U.S.C. 1681i, I request that you conduct a reasonable reinvestigation of this disputed information within 30 days of receiving this notice, including contacting the furnisher of the information ( XXXX ) as required by 15 U.S.C. 1681s-2 to verify the accuracy and completeness of the reported payment history. Upon verification, please update the items to reflect the accurate on-time payment status for all months. 
Please provide me with written notice of the results of your reinvestigation, including a description of the procedure used, within 5 business days after completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). Enclosed are copies of [ list any supporting documents, e.g., " payment receipts, bank statements showing on-time rent payments, and screenshots of other positive rent reporting accounts on my credit report '' ] to support my dispute. Do not include the original documents. 
I request a free copy of my updated credit report once the corrections have been made. If you have any questions or need additional information, please contact me at the phone number or email provided above. 
Thank you for your prompt attention to this matter. I look forward to your response within the time frames required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation