I recently received a letter from Equifax stating that the late payments on my credit report from XXXX XXXX XXXX are " Verfied. '' I placed a phone call to XXXX XXXX XXXX on XX/XX/XXXX regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative. He informed me that XXXX XXXX XXXX does not have any record on this account with respect to any late payments.. 


How did Equifax investigate this account with out any documentation? 



I spoke with Represenative XXXX XXXX out of XXXX, Az at XXXXOur conversation, which XXXX XXXX XXXX has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

XXXX : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at XXXX time the account did go XXXX payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

XXXX XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
XXXX XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

XXXX XXXX : XXXX, that 's when we show that it was opened and it was actually closed XX/XX/XXXX. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

XXXX XXXX : Okay XXXX moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

XXXX XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
XXXX XXXX : You did? 

XXXX : XXXX. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

XXXX XXXX : Okay, all right thank you.