Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Dear creditor, 30 days ago, I sent you a letter asking you to investigate the account listed below as I feel that your company is reporting inaccurate information. You have not responded within the allowed time frame by law, which is 30 days. Is there any reason why you have not responded? I have given you all the information that you need to investigate this matter. I'm not an expert in the law, but I do know the basics of the Fair Credit Reporting Act and the FACTA ACT. 

Account : Reason : Instruction : Report Number : XXXX Account Name : ADS/Comenity/Victoria Account Number : XXXX XXXX Opened : XX/XX/XXXX Current Status : Open Status Updated : XX/XX/XXXX Balance : {$0.00} Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX I am disputing the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my XXXX account ( Account Number : XXXX XXXX XXXX After speaking with a representative of ADS/Comenity on a recorded line, I was assured that these late payments would be corrected to reflect an " on-time '' status, yet this inaccurate data persists on my credit report. This ongoing false reporting directly violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided to credit bureaus must be accurate. It also infringes upon XXXX XXXX  compliance standards under the Consumer Data Industry Association ( CDIA ), particularly the guidelines for accurate reporting in Account Status ( Field 17 ) and Payment Rating ( Field 17A ), which must reflect the true state of the account as verified by the creditor. Additionally, 15 U.S.C. 1692e of the FDCPA prohibits any false, misleading, or deceptive practices in debt reporting, and the representatives misrepresentation of account status correction constitutes a violation of this regulation. Furthermore, UCC 1-201 ( 37 ) and UCC 2-715 address my rights to accurate financial reporting and entitle me to seek damages for the negative impact caused by such inaccuracies. I demand immediate correction of this account, with the late payments removed and the account updated to reflect a current, on-time payment history in compliance with XXXX XXXX standards. If not resolved within 30 days, I will pursue statutory damages for the financial and emotional harm caused by this non-compliance, including a claim for damages under FDCPA and UCC protections.

I don't want to file any complaints against your company, but I need your company to follow the law and either fix the inaccurate reporting or complete your investigation within the next 10 days. If the investigation is not complete within 10 days, I will file complaints with the attorney general office, the FTC and the Consumer Financial Protection Bureau. 

I await your response. 

sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief