Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11310102
Complaint Overview
Complaint ID: 11310102
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: Ohio
ZIP Code: 44109
Date Received: 2024-12-28T12:00:00-05:00
Date Sent to Company: 2024-12-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Late Payments Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate late payment ( s ) reported on my credit file under the 1666 ( b ) Compliance Procedure. I have reviewed my credit report and noticed that the payment history reported by your bureau contains discrepancies. The late payments listed on my credit report do not accurately reflect my payment history for the referenced account ( s ), and I am requesting an immediate investigation under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Below are the specific details regarding the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$28000.00} Account Name/Number : XXXX XXXX*** Date : XX/XX/XXXX Amount : {$340.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2300.00} Account Name/Number : XXXX XXXXXXXX Date : XX/XX/XXXX Amount : Paid According to the 1666 ( b ) Compliance Procedure, you are required to investigate and resolve this dispute within XXXX days of receipt of this letter. I respectfully request that you remove the inaccurate late payment entry from my credit report or provide me with detailed evidence if the entry is to remain. Please also notify me in writing of the results of your investigation and provide an updated version of my credit report once the dispute has been resolved. Please confirm receipt of this dispute letter and keep me informed regarding the progress of the investigation. I look forward to your prompt resolution of this matter. Thank you for your attention to this urgent issue. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11310102 about?
Complaint #11310102 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 2024-12-28T12:00:00-05:00.
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.