Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12185001
Complaint Overview
Complaint ID: 12185001
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: Pennsylvania
ZIP Code: 19119
Date Received: 2025-02-23T12:00:00-05:00
Date Sent to Company: 2025-02-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to express my concern regarding the recent Consumer Financial Protection Bureau ( CFPB ) enforcement action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was detailed in the XX/XX/2025 press release. I believe I am XXXX of the affected consumers whose vehicle loan was inaccurately reported as delinquent during the XXXX pandemic deferral period. During this time, I was granted a deferral on my vehicle loan payments, and I was assured by XXXX XXXX XXXX that my account would be reported as current. Unfortunately, it was later discovered that my loan was incorrectly reported as delinquent to credit reporting agencies. As a result of this inaccurate reporting, my credit score was negatively impacted, and I have experienced significant stress and financial hardship. I was under the impression that XXXX XXXX XXXX would uphold their promise to report my account accurately, and I feel that I have been wronged by the companys actions. I respectfully request that the CFPB take any necessary action to ensure that XXXX XXXX XXXX corrects the inaccuracies in my credit report and that appropriate restitution is provided, as outlined in the enforcement action. I would also like to inquire about the process for receiving compensation as part of the {$12.00} XXXX restitution fund mentioned in the press release.
Frequently Asked Questions
What is Complaint #12185001 about?
Complaint #12185001 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 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.