Consumer complaint received 2024-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer shall not furnish any information about an account without my written instructions. XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX TO WHOM IT XXXX CONCERN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLOWING ACCOUNTS : XXXX. I was never late on this account XXXX XXXXXXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT PLEASE SHOW ME DOCUMENTATION SHOWING PROOF OF A TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING ON MY ACCOUNT. IF YOU CAN NOT SUPPLY THIS PLEASE DELETE THIS ALLEGED LATE PAYMENT FROM MY CREDIT REPORT PER XXXX XXXX XXXX A CREDITOR XXXX NOT TREAT A PAYMENT ON A CREDIT REPORT AS AN OPEN-ENDED CONSUMER CREDIT PLAN I WAS NEVER LATE ON ANY ACCOUNTS LISTED ABOVE. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per XXXX XXXX XXXX ( a ) In connection with collecting a debt arising out of an extension of credit to a consumer in or affecting commerce, as commerce is defined in the Federal Trade Commission XXXX, it is an unfair act or practice within the meaning of section XXXX of that Act for a creditor, directly or indirectly, to levy or collect any delinquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period when the only delinquency is attributable to late fee ( XXXX ) or delinquency charge ( XXXX ) assessed on earlier installment ( XXXX ). 

( b ) For purposes of this section, collecting a debt means any activity other than the use of a judicial process that is intended to bring about or does bring about repayment of all or part of a consumer debt. 

NOT ONLY ARE YOU IN VIOLATION OF XXXX XXXX XXXX, BUT YOU ARE ALSO VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FCRA FOR THESE ALLEGED LATE PAYMENTS NEED TO BE INVESTIGATED, REMOVED AND UPDATED ACCORDING TO XXXX XXXX XXXX SECTION XXXX STATES I HAVE THE RIGHTS TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT Y WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ALSO STATES A CREDITOR XXXX NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR A PURPOSE. 

THIS IS A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AN UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE. 

THANK YOU. 

XXXX XXXX

Company response to consumer: Closed with explanation