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 : Follow-Up on Disputed Late Payment and Request for Investigation Process Explanation Dear CFPB, This letter serves as a follow-up regarding my previous dispute concerning inaccuracies on my credit report related to the XXXX  account. The reported late payment remains unresolved and now contains further discrepancies. I am requesting an immediate reinvestigation and a detailed explanation of the process your agency used to verify the accuracy of the information. 
Account Details : Creditor Name : XXXX  Account Number : XXXX High Balance : {$2900.00} Balance Owed : {$0.00} Credit Limit : {$0.00} Account Status : Closed Payment Status : Current Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Type : Unsecured Loan Term Length : 18 Months Discrepancies Identified : Late Payment Reported : Equifax has reported a 30-day late payment for XX/XX/XXXX. 
In my previous dispute, the late payment was reported for XX/XX/XXXX, not XX/XX/XXXX, as per your initial findings. 
Inconsistencies with Records : The reported late payment for XX/XX/XXXX contradicts the original reporting, which stated XX/XX/XXXX. 
My payment history and attached records confirm that all payments for this account were made on time.

Impact on Accuracy : The shifting late payment date between disputes ( from XX/XX/XXXX to XX/XX/XXXX ) raises concerns about the accuracy and completeness of the investigation conducted. 
This inconsistency negatively affects the reliability of my credit report. 
Supporting Evidence : I have attached a screenshot of my credit report from the previous dispute showing the late payment reported for XX/XX/XXXX. This documentation, along with my payment records, clearly demonstrates that the reported late payment is inaccurate. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Furthermore, credit reporting agencies are obligated to conduct thorough investigations of disputed information and correct any inaccuracies as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a written explanation of the investigation process used to verify the accuracy of this account, including all steps taken and parties contacted.

Proof of Late Payment : If the late payment for XX/XX/XXXX is accurate, provide verifiable documentation supporting this claim, including specific dates, amounts, and any communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to correct the inaccuracies or provide a satisfactory explanation will be considered a violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please contact me should you require any additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation