Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Request for Reinvestigation of Inaccurate Account Reporting - Account Number : XXXX To whom this may concern, I hope this letter finds you well. I am writing to bring to your attention a persistent issue regarding the accuracy of my credit report. Despite two previous investigations, I am dismayed to find that the account detailed below still appears on my report, portraying inaccurate information that significantly impacts my credit score. 

Upon a recent review of my credit report, I identified an account that is reporting inaccurate data. Specifically, there is a recorded late payment associated with an account that was, in fact, settled on time. This discrepancy is not only erroneous but also damaging to my creditworthiness. The account in question is the XXXX, with the account number XXXX, and it is listed with Equifax as the XXXX furnisher. 

As per the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to ensure the accuracy of the information they report. However, in this case, the reported late payment does not align with the actual payment history of the mentioned account. Enclosed with this letter is a copy of my credit report, dated XX/XX/2024, which highlights the discrepancy. 

I am formally requesting that XXXX undertake a thorough reinvestigation into this matter. I urge you to provide verifiable evidence, including records, demonstrating the alleged late payment. Should you fail to substantiate this claim, I demand that the erroneous information be promptly corrected to accurately reflect that the payments were made on time. 

Furthermore, in accordance with the Fair Credit Reporting Act, I kindly request the names and business addresses of each individual with whom you verified the information mentioned above. This will enable me to follow up as necessary to ensure the integrity of the investigation process. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each, individual with whom you verified above so that I may follow up. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please send me an updated copy of my credit report after your investigation. 
It is vital to emphasize that consumer reporting agencies must adhere to reasonable procedures to guarantee the utmost accuracy of the information you report. 

Therefore, I expect XXXX to conduct a comprehensive review of this matter and provide me with an updated copy of my credit report following the completion of your investigation. 

I appreciate your attention to this matter and expect a timely resolution. Thank you for your prompt action in rectifying this issue and safeguarding the accuracy of my credit report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation