Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10595072
Complaint Overview
Complaint ID: 10595072
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Nevada
ZIP Code: 89011
Date Received: 2024-10-27T12:00:00-05:00
Date Sent to Company: 2024-10-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, and its reporting to XXXX Credit Bureau XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10595072 about?
Complaint #10595072 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-10-27T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.