Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10912837
Complaint Overview
Complaint ID: 10912837
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: Tennessee
ZIP Code: 38125
Date Received: 2024-11-23T12:00:00-05:00
Date Sent to Company: 2024-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Reporting XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccuracies related to the reporting of the XXXX account ending in XXXX on my XXXXXXXX XXXX XXXX. The payment history for this account reflects a sudden 90-day late payment in XXXX without any prior progression of delinquencies ( e.g., 30 days late, 60 days late ). This reporting is inaccurate, misleading, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Disputed Information 1. Sudden 90-Day Late Payment in XXXX : The accounts payment history transitions directly from Current to 90 days late in XXXX, without any prior delinquency markers ( 30 days or 60 days late ). This lack of progression contradicts standard reporting practices, which require accurate representation of delinquencies. 2. Negative Account Status : The account is marked as Negative, despite being reported as Current in subsequent years. This contradiction unjustifiably harms my creditworthiness. FCRA Violations 1. 15 U.S.C. 1681e ( b ) : Cred it reporting agencies must ensure maximum possible accuracy in the information they report. Reporting a 90-day late payment without evidence of 30-day and 60-day delinquencies is inaccurate and misleading. 2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, XXXX must conduct a reasonable reinvestigation. If the information can not be verified as accurate, it must be corrected or deleted. Requested Resolution To resolve this matter, I request the following actions : 1. Immediate Correction or Deletion : Remove the 90-day late payment from XXXX, as it lacks supporting evidence of prior delinquencies. Update the account status to reflect its Current standing and remove the Negative designation. 2. Verification Documentation : Provide documentation from XXXX verifying the accuracy of the reported payment history, including evidence of a 30-day and 60-day delinquency prior to the 90-day late payment. 3. Written Confirmation : Provide written confirmation of the investigation results and any updates made to my credit report. Supporting Documentation 1. A screenshot of the XXXX account on my credit report highlighting the discrepancies. 2. A copy of my government-issued ID and proof of address for verification. Next Steps Under the FCRA, Credit Bureaus are required to investigate this dispute within 30 days of receiving this letter. If the reported information can not be verified as accurate, credit bureaus must delete it from my credit report immediately. If this dispute is not resolved promptly, I will consider additional actions to enforce my rights under the FCRA, including seeking compensation for damages caused by the inaccurate reporting. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXXXXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10912837 about?
Complaint #10912837 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 2024-11-23T12:00:00-05:00.
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.