Consumer complaint received 2025-01-17 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 and Correction of Disputed XXXX  Payments on Credit Report Dear CFPB, I am writing to formally request a detailed description of the investigation process your agency followed concerning the disputed late payments on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX USC XXXX ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumers dispute. 
Upon reviewing my credit report, I identified discrepancies related to an account listed under XXXX. This account has reported late payments that are inaccurate based on my payment history and records. The specific details of the account are as follows : Account Information : Creditor Name : XXXX Account Number : XXXX High Balance : {$160.00} Credit Limit : {$1000.00} Balance Owed : {$0.00} Account Status : XXXX Payment Status : Current ( XXXX, Equifax ), XXXX 30 Days ( XXXX ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Date XXXX Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ), Not Reported ( XXXX ) XXXX  Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Discrepancies and Errors : XXXX Payments Reported : XXXX : XXXXday XXXX payment reported for XX/XX/XXXX. 
Equifax : XXXXday XXXX payment reported for XX/XX/XXXX. 
Inconsistent Dates and XXXX : The dates of the alleged late payments do not align with my records, which confirm that all payments were made on time. 
The payment status on XXXX incorrectly reflects " XXXX XXXX Days '' while XXXX and Equifax report " XXXX. '' Equifax lists a XXXX  payment date of XX/XX/XXXX, which conflicts with the accurate payment history showing no delays. 
Update from Previous Dispute : Following my previous dispute, XXXX has removed the reported late payment for this account. However, XXXX and Equifax have yet to correct the inaccuracies. I request that both XXXX and Equifax update their records to reflect the accurate payment history for this account. 
Supporting Evidence : I have attached copies of my payment records and the relevant sections of my credit report highlighting these discrepancies. These records clearly demonstrate that all payments were made on time and that there is no basis for the reported late payments. 
Legal Basis for Dispute : Under XXXX USC XXXX ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Furthermore, as per XXXX USC XXXX, credit reporting agencies are required to conduct a thorough investigation of any disputed information and correct inaccuracies promptly. 
Additionally, I request that you provide the following : Documented Proof : Verifiable evidence supporting the claims of XXXX  payments, including specific dates, amounts, and any communication indicating that the payments were XXXX 
Investigation Process : A description of the procedure used to investigate and verify the accuracy of this account, including all steps taken and parties contacted during the investigation. 
Compliance with Billing Practices : As required by XXXX USC XXXX ( b ), please provide documentation confirming that periodic statements were sent to me at least XXXX  days before the payment due date, as mandated by law. 
Requested Action : If the investigation confirms that the reported late payments are incorrect, I request that you : Update the account status to Paid As Agreed Never XXXX 
Remove any late payment notations from my credit report. 
Failure to correct the inaccuracies or provide a satisfactory explanation within XXXX days from the receipt of this letter will be considered a violation of the FCRA. I look forward to your prompt response and resolution of this matter. 
Thank you for your attention to this urgent issue. Please contact me if additional documentation is required. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation