Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
Your consumer reporting agency is in clear violation of the law for reporting inaccurate transactional data on my credit report that is not in XXXX and failure to correct the following errors will result in pursuit of litigation on behalf of the inaccuracy. 

I dispute the installment account XXXX XXXX Account number ending in XXXX Date opened ( XX/XX/XXXX ) THE TRANSACTIONAL HISTORY IS INACCURATE AND THE FOLLOWING TRANSACTIONS MUST BE UPDATED TO CURRENT OR PAID AS AGREED. 
This account ending in XXXX is showing a remark of 90 days late in the month of ( XX/XX/XXXX ) without a statement furnished from the creditor pursuant to ( XXXX ) there is also MISSING DATA POINTS in the months of ( XX/XX/XXXX ) ( XX/XX/XXXX ). There are no prior late transactions in ( XX/XX/XXXX ) ( XX/XX/XXXX ) furnished by the creditor before the date of this remark. 
Please correct this remark as well as the prior dates describe to paid as agreed. 

Payment history makes up 30 % of my score and any errors or inaccuracies furnished on my consumer report can damage my livelihood or ability to obtain credit, so it is very important that you uphold your morals as a consumer reporting agency and fix any inaccuracies I send to your business via certified mail as the LAW demands removal.

According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization the consumer gave them to contact you with nonpublic personal information - ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 


According to 15USC 1681a ( 5 ) ; ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION The law clearly states - ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of information is found to be inaccurate, incomplete or can not be verified the Consumer Reporting Agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15USC 1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a statement received by the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported. If however, you can not provide me with the statement you were supposed to send me, you are in violation. 15USC 1666 ( b ) CLEARLY STATES - ( a ) TIME TO MAKE PAYMENTS- A creditor may not treat a payment on a credit card account under an open 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 not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

According to this section of the LAW 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report ; My transactions to ANY creditor are EXCLUDED from my consumer report - the FCRA states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include all transactions or experiences between the Consumer and the company reporting.

This violation of 15USC 1681a ( 2 ) ( a ) ( i ) alone, justifies the deletion of this remark from my report because the law clearly states my transactions or experiences are excluded and need to be updated. 

Failure to update the following transactions will result in pursuit of litigation on behalf of these inaccuracies found in my consumer report that must be corrected IMMEDIATELY due to violations of the following : 15USC1666 ( B ) - 15USC1637 15USC1681a ( 2 ) ( a ) ( i ) 15USC1681 ( a ) 5 15USC1681 ( e ).

Company response to consumer: Closed with explanation