Consumer complaint received 2024-08-08 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XX/XX/year> XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX. XXXX Subject : Dispute of Inaccurate Reporting of Late Payments To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit report associated with my account [ XXXX ]. This inaccurate information has been reported to the credit bureaus, and I am requesting an immediate correction under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies and creditors are required to report only accurate information. The specific late payments that I am disputing are listed as follows : - **Date of Late Payment : ** [ XX/XX/year> ] - **Amount : ** [ {$10.00} ] These late payments are inaccurately reported and are causing undue harm to my credit score and overall financial reputation. 

Please note that under the FCRA, you are required to respond to this dispute within 30 days. I also request that any updates to my credit report resulting from this dispute be communicated to me in writing. 

According to 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

According to 15 USC 1692b, except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

I expect that you will investigate this matter promptly and correct the inaccuracies on my credit report. Failure to comply with this request may result in further actions. Please confirm in writing that these inaccuracies have been corrected or provide a detailed explanation if you believe the information is correct. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX : XXXX XXXX

Company response to consumer: Closed with explanation