Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported on my credit file regarding an account with XXXXXXXX XXXX which appears as follows on my credit report : Account Type : Line of Credit Closed Date : XX/XX/XXXX Late Payment : One 30-day late payment reported Remarks : Consumer disputes reinvestigation in progress Upon close review, I have identified several inconsistencies : 1. Inconsistent Late Payment Reporting : The account shows one 30-day late payment in XXXX. However, the month of the alleged late payment is surrounded by consistent on-time payments. No specific month is marked with a red X ( indicating 30 days late ), and no delinquency is visually clear. 

2. Missing Payment and Status Info : Both the Payment status and Worst payment status fields list No Info, which is incomplete and misleading under the Fair Credit Reporting Act ( FCRA ). 

3. Post-Closure Reporting Conflict : The account is listed as closed in XX/XX/XXXX, yet payments are shown as current and ongoing into XXXXXXXX Please explain how payments could be made on a closed line of credit unless this is a reporting error.

4. Dispute Process Delays : My file also indicates Consumer disputes reinvestigation in progress. However, I have not received any outcome or updated communication regarding this dispute, and 30+ days have passed.

5. This is a Re-insertion Account which was reinserted without providing a Notice informing the consumer of the Re-insertion, however a Supervisor y the name of XXXX '' has stated they don't issue those notices. which is a willful noncompliance violation to the FCRA. 15 USC 1681i ( a ) ( 5 ) ( B ) which I have documented if any further information regarding this is requested I can provide. 

6. Requested method of verification Equifax employee ID # XXXX stated he can't provide me with that information on XXXX at XXXX XXXX XXXX which is another FCRA violation. 611 ( a ) ( 6 ) ( B ) ( III ) 7. Equifax is the only reporting this account it was disputed and due to the found errors XXXX and Equifax has removed this account, and has not added it back to my credit report unlike Equifax. 

The FCRA requires Equifax to provide a consumer with a description of the procedures used to determine the accuracy an completeness of the disputed information. this refusal further demonstrates equifax 's disregard for statutory obligations. 

Action Requested : I respectfully request the following : Immediate correction or removal of the 30-day late payment if it can not be verified with supporting documentation such as the name of who you interviewed regarding this account 100 % belongs to me, also the phone number called, along with date and time you interviewed them. 

If you can not verify this information with documentation from XXXX XXXX, I request this inaccurate reporting be permanently deleted from my credit file in accordance with the FCRA. 



Thank you for your time and attention. I look forward to receiving written confirmation of the results of this reinvestigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief