Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10987688
Complaint Overview
Complaint ID: 10987688
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Mexico
ZIP Code: 88240
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below, I have outlined the specific issues with this account : XXXX. Inconsistent Comments Across Credit Bureaus : XXXX : Closed. XXXX : Subscriber reports dispute resolved - consumer disagrees. Equifax : Closed or paid account/zero balance. These inconsistencies in comments create confusion and may mislead lenders about the status of the account. XXXX. Late Payment Reporting on a Closed, Paid Account : The account has a {$0.00} balance and is marked Closed or Paid across all bureaus. However, the payment history shows multiple 30-day late marks, which is inaccurate if the account is resolved and paid off. 3. Failure to Update or Resolve Dispute Comments : The comments reflect ongoing disputes despite the account being marked as resolved and closed. This misrepresentation may harm the creditworthiness of the consumer. XXXX. Inconsistent Reporting Across Bureaus : The Last Reported dates differ : XXXX and XXXXXXXX XXXX XXXX Equifax : XX/XX/scrub>XXXX While minor, this discrepancy shows a lack of synchronization and proper updates across the bureaus. XXXX. Contradictory Payment History : Despite the account being marked as Current and having a {$0.00} balance, the payment history contains 30-day late marks. If unverifiable or inaccurate, they violate FCRA requirements. Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The discrepancies in dispute comments, payment history, and reporting dates violate this standard. XXXX. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes have been filed and the information remains inaccurate or unresolved, the credit bureaus may have failed to investigate and correct the errors properly. XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have provided inaccurate or misleading information regarding the payment history and dispute resolution. XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they must be removed from the report.
Frequently Asked Questions
What is Complaint #10987688 about?
Complaint #10987688 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-12-01T12:00:00-05:00.
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.