Consumer complaint received 2024-11-22 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/2024 Subject : Formal Dispute Regarding Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccuracies in the reporting of late payments on my XXXX  XXXX account, as reflected in your records. This is my second dispute regarding this issue, and despite my previous submission, no corrections have been made. I kindly request that you re-investigate this account in accordance with the Fair Credit Reporting Act ( FCRA ). 
Reason for Dispute The reported late payments for this account are inconsistent with my records, which show that I have consistently made payments on time. Specifically, the reported XXXX, XXXX, and XXXX late payments reflected in your records ( XXXX instance of 30 days late, XXXX instances of 60 days late, and XXXX instances of 90 days late ) are incorrect. I have attached supporting documentation, including account statements and a detailed payment history, proving my timely payments. 
Evidence of the Error I have reviewed my payment history thoroughly, and it demonstrates the following : All payments were made on or before the due date. 
There is no evidence of late payments in my account records. 
My previous dispute outlined the same inaccuracies, yet your records remain unchanged. 
Request for Investigation As mandated by the FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) ), I request a thorough investigation of this account. Additionally, I am requesting the following : A detailed description of the investigation process you followed for my previous dispute. Per 15 USC 16811 ( 7 ), you are required to provide this information within XXXX  days of my request. 
Proof supporting the claim of late payments on this account, including dates, amounts, and any relevant communication. 
If you can not verify the accuracy of the late payments, I demand that the account be promptly updated to reflect its correct status : XXXXid As Agreed Never Late.

Reference to Legal Obligations Under the FCRA, credit reporting agencies must ensure the accuracy of all reported information. Additionally, per 15 USC 1666 ( b ), creditors are required to mail periodic statements at least 21 days before payment due dates. I demand evidence that these obligations were met. 
Resolution Timeline Per the FCRA, you must complete your investigation and provide me with a written response within 30 days of receiving this dispute. Failure to comply will constitute a violation of federal law. 
Supporting Documentation Enclosed, you will find the following : A copy of my Social Security Card for identification purposes. 
A copy of my government-issued photo ID ( Drivers License/Passport ) to verify my identity. 
A copy of my credit report highlighting the inaccuracies. 
I expect prompt action to rectify this matter. Your cooperation is essential to maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief