Consumer complaint received 2024-11-29 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/year> Subject : Formal Dispute Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to address a continued inaccuracy on my credit report regarding the account XXXX  ( Account # XXXX ). Despite previous disputes and Equifaxs investigations, the reported late payment in XXXX remains uncorrected. This unresolved error has negatively impacted my credit score and raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 
Summary of Dispute I respectfully dispute the following issue : Reported Issue : 30-day late payment reported in XXXX. 
Accurate Status : All payments on this account were made on time, as demonstrated by my attached payment records. 
Implication : This erroneous late payment misrepresents my creditworthiness and violates FCRA requirements for accurate reporting under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Supporting Evidence Attached to this letter are : Copy of My Government-Issued ID and Social Security Card : To verify my identity.

Highlighted Credit Report : Showing the inaccurate late payment in XXXX. 
Previous Dispute Letter ( Dated XX/XX/year> ) : Demonstrating that this issue was previously raised but not resolved. 
Request for Immediate Action I formally request that Equifax take the following actions : Correct the Inaccurate Late Payment : Update the payment history for the account to reflect an accurate status of " Paid As Agreed Never Late '' for all months, including XXXX. 
Provide Investigation Details : As required by 15 USC 1681i ( 7 ), provide a detailed description of the procedures used to investigate and verify the account information in response to my dispute. 
Provide Verifiable Evidence : If the late payment can not be corrected, furnish documented proof supporting the claim of a late payment, including dates, amounts, and communications from the data furnisher. 
If Equifax can not verify the accuracy of the reported late payment within the 30-day period mandated by the FCRA, I demand the removal of the inaccurate information from my credit report.

Legal References and Obligations Equifax is obligated to ensure that all reported information is accurate and up to date. According to 15 USC 1681i ( a ) ( 5 ), any unverifiable information must be promptly deleted. Furthermore, per 15 USC 1666 ( b ), you are required to maintain reasonable procedures to ensure that billing and reporting practices are accurate and fair. 
Failure to resolve this matter within the legally established timeframe will be considered a violation of the FCRA, and I reserve the right to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 
Conclusion This matter requires immediate attention to uphold the integrity and accuracy of your credit reporting. I look forward to receiving a written response detailing the steps taken to resolve this issue. Please send any updated credit report reflecting the corrections to the address provided above. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation