Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11032995
Complaint Overview
Complaint ID: 11032995
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Nevada
ZIP Code: 89031
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX, XXXX, and XXXX XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit Reporting : The " XXXX XXXX '' is reported as {$6100.00} ( XXXX, XXXX ) but {$5300.00} ( Equifax ). XXXX. Conflicting Comments : Remarks such as " Credit Card Amount in XXXX XXXX is Credit Limit '' do not align with reported data. XXXX. Late Payment Reporting Ambiguity : " Was 30 Days Late XXXX Time '' is unsupported by a detailed payment cycle. XXXX ( Account # XXXX ) : XXXX. High Credit Reporting Errors : " XXXX XXXX '' is reported as {$11000.00} ( XXXX ) but {$0.00} ( Equifax ). XXXX. Date of Last Payment Conflict : The " Date of Last Payment '' differs across bureaus. XXXX. Late Payment Mismatch : " Was 30 Days Late 1 Time, Was 60 Days Late 1 Time '' conflicts with " Current '' status. XXXX XXXX XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit : " High Credit '' is {$4600.00} ( XXXX, XXXX ) but {$4600.00} ( Equifax ). 2. Late Payment History Conflict : " Was 30 Days Late 1 Time '' is inconsistent with " Current '' payment status. 3. Conflicting Comments : Remarks such as " Charge Account in XXXX XXXX is Credit Limit '' lack clarity and alignment with reported data.
Frequently Asked Questions
What is Complaint #11032995 about?
Complaint #11032995 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 2024-12-04T12:00:00-05:00.
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.