Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12127974
Complaint Overview
Complaint ID: 12127974
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Tennessee
ZIP Code: 373XX
Date Received: 2025-02-18T12:00:00-05:00
Date Sent to Company: 2025-02-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I submitted a complaint to XXXX XXXX showing they are reporting late payments on my credit. I provided all my bank statements to show that i paid more than what is asked, and before the payment due date. However, they have reported " no payment or late payment '' i called asking why they are reporting late payments, but they said, " payment rejected ''. If payment is rejected then why haven't : 1 ) the Company emailed, called me and say we apologize sir, but your payment did not go through? 2 ) anytime my payments reject, my bank notifies me either with email or a call saying payment returned. where is the returned money? where is the rejected payment stated on my monthly statement? it does not show because I called the bank and they even said that all my payments went through. So, if my payments went through, why is XXXX XXXX rejecting them? i asked a few lawyers I know, and they told me sometimes companies will scam extra money out by rejecting the payment, then try again after the payment due date so the consumer has to pay late fees. Well, it seems this is what XXXX XXXX is doing because all my bank statements, bank tellers i spoke to all stated all my payments went through, and any time someone rejects the money, I am supposed to get it back, but nothing was returned to me. After making a first complaint, XXXX XXXX returned that they are the ones looking into the matter and OfCourse found nothing wrong. I want an outside source looking into this matter because I have bank statement proof that i paid more than the amount and before due date.
Frequently Asked Questions
What is Complaint #12127974 about?
Complaint #12127974 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-18T12:00:00-05:00.
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.