Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10931531
Complaint Overview
Complaint ID: 10931531
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Illinois
ZIP Code: 60411
Date Received: 2024-11-25T12:00:00-05:00
Date Sent to Company: 2024-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against XXXX XXXX Bank ( Account Number : XXXX ) regarding inaccuracies in the late payment reporting on my credit file. The account is marked as closed, but the report shows two late payments ( 30 days and 60 days past due ), which are inaccurate and unverifiable. I previously disputed this issue directly with XXXX XXXX Bank, but the reporting remains unresolved. Details of the Dispute : Late Payments Reported : XXXX XXXX Bank reports two late payments ( 30 and 60 days past due ) for an account that is closed. These late payments do not match my records and are not supported by any documentation provided by XXXX XXXX Bank. Lack of Verification : I have requested proof of the reported late payments, but no documentation has been provided to validate these claims. Inaccuracy of Reporting : Under 15 U.S.C. 1681e ( b ) ( FCRA ), XXXX XXXX Bank is obligated to ensure that the information reported is accurate. Under 15 U.S.C. 1681c ( a ), any negative information older than seven years must be removed. If these late payments are older than seven years, they should be removed.
Frequently Asked Questions
What is Complaint #10931531 about?
Complaint #10931531 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 2024-11-25T12:00:00-05:00.
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.