Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing regarding the inaccurate reporting of a late payment on my account with [ XXXXEquifax ] , associated with the account listed below. You previously asserted that this information was either accurate or verified. However, my original dispute specifically requested the required documentation to substantiate the late payment, which has not been provided. As such, your response is insufficient, and I now request a detailed explanation of how this alleged late payment was verified. 

Timing of Payments 15 U.S. Code 1666b Under 15 U.S. Code 1666b, a creditor is prohibited from reporting a payment as late unless specific conditions are met : 1. The creditor must mail or deliver the periodic statement, including all information required under 15 U.S. Code 1637 ( b ), no later than 21 days before the payment due date.

To ensure compliance, I formally request : Proof that the periodic statement was sent to me, including tracking or delivery confirmation.

Confirmation that the statement included all required information under 15 U.S. Code 1637 ( b ).

Evidence that the statement was mailed or delivered at least 21 days prior to the payment due date.

Without this proof, the alleged late payment can not be substantiated or lawfully reported.

Accuracy of Reporting 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information reported. If any information is reported as verified, sufficient evidence must support the claim of its accuracy.

Responsibilities of Furnishers 15 U.S. Code 1681s-2 As outlined in 15 U.S. Code 1681s-2, furnishers of information must : XXXX. Conduct a reasonable investigation upon receipt of a dispute. 
XXXX Review all relevant information provided by the consumer. 
XXXX. Complete the investigation and report results to the consumer within the 30-day period specified in 15 U.S. Code 1681i ( a ) ( 1 ). 
XXXX. Promptly correct any inaccuracies or notify the consumer reporting agencies. 

You failed to provide adequate documentation and did not conduct a proper investigation into the dispute, which constitutes a violation of 15 U.S. Code 1681s-2.

Procedure in Case of Disputed Accuracy 15 U.S. Code 1681i Under 15 U.S. Code 1681i ( a ), a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes the accuracy of an item in their credit file. If the disputed information can not be verified, 15 U.S. Code 1681i ( a ) ( 5 ) requires it to be deleted.

If inaccurate or unverifiable information is not corrected and continues to be reported, this violates 15 U.S. Code 1681s-2 ( a ). 

Request for Deletion Due to your failure to provide the requested verification and your noncompliance with federal laws, I formally request that the following late payment information be deleted from my credit report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid in settlement ; {$1700.00} written off ( as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I expect a response and resolution within the legally mandated timeframe. If you are unable to verify the accuracy of the information as requested, the late payment entry must be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief