Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11138657
Complaint Overview
Complaint ID: 11138657
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: New York
ZIP Code: 117XX
Date Received: 2024-12-12T12:00:00-05:00
Date Sent to Company: 2024-12-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Billing and reporting errors are unfairly harming my credit, violating my rights under TILA ( 15 U.S. Code 1666 ( b ) ). Payments I made have not been accurately recorded, and there are clear calculation discrepancies in the reported balances. Additionally, I did not receive the legally required 21-day notice before a payment was due, which invalidates any late payment markings. Moreover, under FCRA ( 15 U.S. Code 1681s2 ( 3 ) ), creditors must not furnish disputed information to consumer reporting agencies without indicating that the information is under dispute. I filed a dispute over 35 days ago regarding these inaccuracies, yet you failed to notate the items as disputed. This not only violates federal law but has also caused me to lose financial opportunities due to the continued reporting of inaccurate and unflagged items. This inaccurate reporting, including falsely marked late payments, has significantly damaged my credit score. All alleged late payments were made on time, yet they persist on my credit report.
Frequently Asked Questions
What is Complaint #11138657 about?
Complaint #11138657 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 2024-12-12T12:00:00-05:00.
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.