Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
please investigate and update to paid on time/paid as agreed Late please verify this is an accurate 15 USC code 1666B timing of payments a time to make payments a credit. I may not see a payment on a credit card account under an open and consumer credit plan as late for any purpose unless the creditor has adopt, a reasonable procedure is designed to ensure that each periodic statement, including the information required by section 1637 be of this title is mailed or delivered to the consumer not later than 21 days before the payment due date I have not received a statement required with each billing cycle the outstanding balance in the account at the beginning of the statement ; The amount and date of each extension of a credit during the period and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the bureau sufficient to enable the other girl either, its identify the transaction or to relay it to copies of cells, vouchers or similar instruments, previously furnish, except that a creditors failure to disclose such a summation in accordance with this paragraph should not be XXXX a failure to comply with this part or the subchapter is a creditor maintains procedures, reasonably to adapt to proceed and provide such information and be the creditor response to an treat any inquiry for clarification or documentations as a billing error and erroneously build amount under section 1666 of the title. Furthermore, I am requesting that you provide me with in writing the reasonable procedures according to 15 USC 1666B that you have adapted to sure that each periodic statement is melting me the consumer not later than 21 days before the payment duty 15 USC 1681e compliance procedures be accuracy of a port whenever and Consumer put a agencies prepares a consumer report is your follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report released I need a tracking number and a copy of notice required under section 16, 3070 that was sent to me if you can not furnaces information this late payment is inaccurate and my rights under the FCRA shall, not furnish incorrect in accurate information and unverified from the creditor. These accounts must be deleted this is defamation to my character. 15 US code 1681s2 ( A ) states a person Shall not furnish any information relating to a consumer to any Consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states 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. XXXX is not maintaining reasonable procedures also 12 CFR 1016.7 states that Consumer may exercise the right to opt out at any time. I am now opting out of your reporting services. 
please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )

Company response to consumer: Closed with non-monetary relief