Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
You said : write an letter that the XXXX bureau are reporting wrong and is against reporting laws XXXX said : XXXX Here 's a draft of a letter you can use to dispute incorrect information being reported by the XXXX credit bureaus ( XXXX, Equifax, and XXXX ) : [ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information that appears on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). I have identified several discrepancies that are being inaccurately reported by your agency, and I believe this misinformation is damaging my creditworthiness. 

The incorrect information on my credit report includes : Account Name/Number : [ Insert account name/number here ] Description of Dispute : [ Describe the error, e.g., " The account is being reported as delinquent, but it was paid in full. '' ] Under the FCRA, credit reporting agencies are obligated to ensure that the information they report is accurate and verifiable. In this case, the information on my credit report is neither accurate nor in compliance with the FCRA 's standards. 

Furthermore, I request that you perform a reasonable investigation to ensure that this error is corrected in accordance with your legal obligations under the FCRA. Please provide a written confirmation of the removal or correction of this error upon completion of your investigation. 

I have enclosed copies of supporting documentation that substantiate my claim ( e.g., payment records, account statements ). I trust this will assist you in resolving this matter promptly. 

Please confirm receipt of this letter and the commencement of your investigation within 30 days as required by law. If no action is taken to correct the issue, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action as per my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution. 

Sincerely, [ Your Name ] Enclosures : Copy of Credit Report Supporting Documentation Make sure to adapt this letter to fit your situation and include any relevant documentation that will support your claim. 
You said : rewrite had late payments that basically are not accurate with the XXXX credit bureaus. On XXXX and XXXX one would that I was late once in XXXX, and the other report would show that I was late XXXX times. All across the board all three bureaus are not reporting accuracy to my credit. XXXX credit bureau has 30 days late, one has 60 days late, and the other has XXXX late payment. 
XXXX said : XXXX Heres a revised version of your letter to address the inconsistencies in the late payments reported by the XXXX credit bureaus : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information regarding late payments that appear on my credit report. There are inconsistencies across all three credit bureaus ( XXXX, Equifax, and XXXX ), and I believe these discrepancies are a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate information. 

Specifically, the issues are as follows : XXXX is reporting that I was late once in XXXX. 
XXXX is reporting that I was late XXXX times in XXXX. 
Equifax is reporting different levels of late payments, with XXXX showing a XXXX late payment and another showing a XXXX late payment. 

These inconsistent late payment records across all three credit bureaus are not only incorrect but also damaging to my credit profile. I believe the information being reported is inaccurate and must be corrected to reflect the true history of my account. 

I kindly request that each of your bureaus conduct a thorough investigation of this matter and remove or correct these late payment entries. I have enclosed supporting documentation that shows my payment history and will substantiate my claim. 

In accordance with the FCRA, I ask that you provide written confirmation of the correction or removal of these inaccurate items. Please complete your investigation within the legally required XXXX period. 

If this matter is not resolved promptly, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution and written confirmation. 

Sincerely,

Company response to consumer: Closed with explanation