Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
After multiple attempts to rectify an issue with Equifax, Equifax still continues to report false and inaccurate information on my credit profile. Equifax is reporting an inaccurate late payment on XXXX XXXX XXXX XXXX and a collection account XXXX XXXX XXXX XXXX I have requested month after month by mail and online for Equifax to validate and provide proper proof of this alleged late payment and collection acct and have yet to receive any supporting documentation from Equifax . Instead of providing the proper prove, Equifax continues to add and remove comments calling it an update/correction instead of just removing the inaccurate late payment indications. I have been denied housing, loans, and a job due to these inaccuracies on my credit profile. Equifax has continued to violate my rights and this has caused a significant amount of stress and XXXX and is really weighing on my mental health. Im curious as to how XXXX and XXXX found these inaccuracies to be invalid and corrected the issue but Equifax found them to be valid. This is my final attempt to rectify this issue with Equifax before legal actions are taken. 

Dear Equifax, Thank you for your response to the previous complaint and the updates to my credit file regarding the XXXX XXXX XXXX XXXX XXXX account. However, you did not remove/update any of the late payment indications and I have concerns regarding the verification and validation of the reported late payment and would like to request additional documentation. Proof of Late Payment : In your response, you mentioned that the account with XXXX XXXX XXXX XXXX XXXX has been updated with additional information, but I have not received the requested documentation or proof to substantiate the reported late payment. Once AGAIN please provide the specific evidence that supports the accuracy of the late payment, including the date of the late payment and any communications or records from XXXX XXXX XXXX XXXX verifying this. Clarification of Updates : You noted that " historical account information '' was updated, but I would appreciate further clarification on what was changed and how it impacts the accuracy of the account. If this update is related to the disputed late payment, I would like more specific details. Documentation for Disputed Items : As per the Fair Credit Reporting Act, I request copies of any supporting documents or communications from XXXX XXXX XXXX XXXX, and any other relevant sources, which were used in verifying the disputed late payment. If this late payment was erroneously reported or if there is any further evidence that may suggest otherwise, I would appreciate the opportunity to review it and take necessary action. As for XXXX XXXX XXXX XXXX again please send me the documentation or evidence Equifax used to determine this account to be valid and belongs to me or did Equifax simply not review any proper documentation that supports what XXXX  XXXX XXXX continues to report on my credit profile knowing it to be inaccurate so that Equifax can continue to make money by keeping my credit profile poor. By Equifax investigating and validating this alleged debt to be 100 % accurate there should be proper proof/documentation used to come to that decision. Please provide me with the proper proof/documentation of the late payment and proper proof/documentation of the alleged debt. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief