Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12184895
Complaint Overview
Complaint ID: 12184895
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: Illinois
ZIP Code: 60653
Date Received: 2025-02-23T12:00:00-05:00
Date Sent to Company: 2025-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.
Frequently Asked Questions
What is Complaint #12184895 about?
Complaint #12184895 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 2025-02-23T12:00:00-05:00.
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.