Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10876907
Complaint Overview
Complaint ID: 10876907
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Louisiana
ZIP Code: 70601
Date Received: 2024-11-20T12:00:00-05:00
Date Sent to Company: 2024-11-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. Summary of Errors Across All Bureaus : Inaccurate Late Payments : XXXX : Incorrectly reports a 30-day late payment in XXXX, despite payments being made on time through autopay. XXXX : Also lists a 30-day late payment in XXXX, which conflicts with verified payment records. Equifax : Reports a 30-day late payment in XXXX, which is inaccurate based on documented evidence of on-time payments. Discrepancies in Reporting Details : Date of Last Activity : XXXX and XXXX report XX/XX/year>, while Equifax lists XX/XX/year>. Two-Year Payment History : Inconsistencies in late payment reporting : XXXX and XXXX show errors in XXXX, while Equifax shows an error in XXXX. Requested XXXX I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that this entry be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request written documentation confirming the removal of this late payment entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. Attachments Bank statements confirming timely payment in XXXX. Screenshot of autopay enrollment. Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10876907 about?
Complaint #10876907 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 2024-11-20T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.