Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process your agency followed regarding the disputed XXXXXX/XX/XXXX account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I identified discrepancies in the reporting of late payments on the following account : Account Details ( XXXXXX/XX/XXXX ) Account Number : XXXX High Balance : {$2600.00} ( XXXX and XXXX ), {$0.00} ( Equifax ) Last Verified : XX/XX/XXXX ( XXXX ), Not Reported ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), Not Reported ( XXXX and Equifax ) Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX ), Not Reported ( XXXX and Equifax ) Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type :XX/XX/XXXXXXXX XXXX XXXX XXXX and XXXX ), All Banks ( Equifax XXXX Account Status : Closed Payment Status : Current Creditor Remarks : XXXX XXXX Canceled by XXXX XXXX XXXX : Account has been closed due to inactivity Equifax XXXX Closed or paid account/XX/XX/XXXX balance ; amount inXX/XX/XXXX XX/XX/XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX ( XXXX and XXXX ), Not Reported ( Equifax ) Credit Limit : {$2500.00} Two-Year Payment History Discrepancies 1. XXXX : 2. XXXX : Incorrectly reported 30-day late payment in XX/XX/XXXX and 60-day late payment in XX/XX/XXXX. 
Incorrectly reported 30-day late payment in XX/XX/XXXX and 60-day late payment in XX/XX/XXXX. 
3. Equifax : Incorrectly reported 30-day late payment in XX/XX/XXXX and 60-day late payment in XX/XX/XXXX. 
Reason for Dispute To the best of my knowledge and according to my records, I have consistently paid this account on time, in accordance with the agreed-upon terms. The reported late payments for XXXX and XX/XX/XXXX are inaccurate. 
Request for Investigation I request that you : 1. Investigate the accuracy of the reported late payments.

2. Update my credit report to reflect " Paid As Agreed Never Late '' for this account.

3. Provide a detailed description of the investigation process you followed, including : The procedures used to verify the account. 
Documentation or evidence provided by the creditor. 
If you are unable to verify the late payments with documented proof, I expect the account to be updated immediately to reflect its accurate status. 
Legal Compliance Under the FCRA and related laws, your agency is obligated to ensure the accuracy of information reported on my credit file. Additionally, I request documentation of your compliance with reasonable procedures to ensure timely delivery of statements as outlined in 15 USC 1666 ( b ).

If you can not provide verifiable proof of the late payments, please update my credit report accordingly and notify me of the corrections. I expect a written response within 30 days as mandated by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to a resolution that aligns with the legal obligations outlined by the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation