Consumer complaint received 2024-11-27 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 : Second Dispute Regarding Account Reporting Errors for XXXX XXXX  XXXX  Account ( # XXXX ) Dear CFPB, I am writing to follow up on a previous dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account. While XXXX and XXXX have updated my account to reflect accurate payment information and removed the late payments following their investigations, Equifax has yet to make these corrections. 
I respectfully request a detailed description of the investigation process your agency followed regarding this account, as required by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( 7 ). Credit reporting agencies are obligated to provide this description within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed that this account continues to inaccurately report late payments on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX To the best of my knowledge and records, I have consistently paid this account on time, as evidenced by the payment history provided by XXXX and XXXX. I have attached copies of these credit reports for your review. 
Additionally, pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must contain accurate information and should not include incorrect payment history data. The inaccurate late payments are negatively affecting my creditworthiness, and I request an immediate investigation and correction of these discrepancies.

To aid in your investigation, here are the details of the account as reported by Equifax : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : Paid Account Status : Open Payment Status : Current Two-Year Payment History : Reflects late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I kindly request that you provide a detailed explanation of the reasonable procedures you have followed under 15 USC 1666 ( b ) to ensure accuracy, as well as any verifiable proof of these late payments. This proof should include dates, amounts, and relevant communications indicating that these payments were made late.

If Equifax can not verify the accuracy of these late payments, I expect the account to be updated to reflect the correct status of " Paid As Agreed, Never Late '' immediately. Please ensure that these corrections are made and provide a written confirmation of the updates. 
Your prompt attention to this matter is crucial, as the FCRA requires a timely investigation and resolution within 30 days of receiving this letter. Failure to do so will be considered a violation of the FCRA, and I will be forced to escalate this matter further. 
Thank you for your understanding and cooperation. I look forward to receiving your response and a resolution to this dispute within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief