I filed a dispute with Equifax that I had never made a late payment to XXXX XXXX XXXX XXXX. Equifax has responded to me, and I quote, " We have researched the credit account. Account # XXXX The results are : There is no historical account information currently on this account. This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. Additional information has been provided from the original soured regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX LA XXXX Phone : ( XXXX ) XXXX '' End quote. Everything listed there is totally contradictory. However, I have tried contacting XXXX XXXX directly. They are no longer in business! The XXXX phone number is a non working number. Mail sent to that XXXX XXXX has been returned to me with forwarding address unknown. Further, this account was transferred to another credit union in my area. I contacted them about the issue of this erroneous late payment, only to learn that they do n't have access to XXXX 's files from that time period and have no way to access them. I truly believe that Equifax did not investigate my dispute at all and is just saying they did. This is not the only account that Equifax is reporting recklessly and without recourse on my credit report.