Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX writting The CFPB fling a formal complaint against XXXX for violating my federal protected rights under the FCRA and the Metro 2 compliance Standards procedures by law. XXXX has ignore the LAWS and procedures requirements, that their require by law to proceed in furnishing inaccurate information, CFPB I am asking you to investigat this fraudulent inaccurate incomplete that CRA has furnished on credit report XXXX # XXXX >>>>>>>>>>>>XXXX<<<<<<<<<<<<<<<< XXXX, you received my dispute, regarding some transactions and late payments that you and XXXX XXXX XXXX furnished to the consumer report. When I disputed these exclusions under the Fair Credit Reporting Act ( FCRA ), I received a response from you stating that the account was verified. 

I am unclear why you responded with " verified '' as I did not request verification. The law clearly states : ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include : ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 



How can you validate a dispute regarding information that is excluded from the consumer report? The law states that transactions are not part of the consumer report, so how can you validate a late payment? 



Additionally, let 's take a look at 15 USC 1666b : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than XXXX days before the payment due date. 



I am requesting all information pursuant to Rule 1002 of 15 USC 1666b, and the procedure used to authenticate accuracy. Specifically : What reasonable procedures have you adopted to ensure that each periodic statement, including the information required by section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the payment due date. Can you provide me with A Certified mail receipt from XXXX XXXX XXXX  reciting it was mailed XXXX days before the payment date. 



The only way to validate a " late payment '' is to ensure compliance with 15 USC 1666b, METRO2 compliance, and FCRA compliance. This process must also be certified by an agent verifying that the information is accurate. 



I ask for documentation. XXXX : Can you provide me with the exact statement # `those that states or shows that i was late on these accounts. I have always paid on time, XXXX : I am requesting certification of accuracy and the actual Transcript when you talked to original creditor, names of the agents involved in the certification process, confirming the information is complete and accurate. 



Failure to provide this information will be taken as an admission that proper procedures and certification were not followed, violating 15 USC 1666b. Therefore, you XXXX would have fraudulently verified the account without reasonable procedures as required by law. 



I demand that you delete the following incomplete and unverifiable accounts and transactions from the consumer report with in XXXX days of receiving this receipt. Failure to Provide Proof Please do not respond by claiming that the information is accurate without providing evidence. You are required by law to submit proof of compliance with 15 U.S. Code 1681a ( 2 ) ( i ) and 15 U.S. Code 1666b & 1637 ( b ). If you can not produce proof that you complied with these requirements, you can not legally treat this payment as late, which also constitutes a violation of 15 U.S. Code 1681s-2. 



XXXX XXXXXXXX XXXX  Account # XXXX Reported XX/XX/year> and XX/XX/year> I have seen that it has been updated to my report, but it seems like no one made the changes, when they did, it was reinserted as late. Can you please update my report here from late to paid on time. as my previous request, I ask that this to be updated, I seen That you tried to update it, but it has not taken effect yet. 



Sincerely, XXXX XXXX XXXX XXXX Without Recourse Enclosures : Copy of ID, bank Statement Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in the credit report. I am disputing these late payments because they are not accurate or verifiable. 



Please investigate this matter promptly and remove these incorrect late payments from my credit report. 



Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation