Credit reporting or other personal consumer reports — EQUIFAX, INC. (NC)

Account status incorrect. XXXX XXXX has reported my mortgage late 150 days to XXXX credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/year>. I have requested that they send me all the accounting according to XXXX. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification