Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12200407
Complaint Overview
Complaint ID: 12200407
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Massachusetts
ZIP Code: 02301
Date Received: 2025-02-24T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Request for Investigation and Validation of Late Payment To : Credit Reporting Agency Experian Equifax Transunion Dear Consumer Financial Protection Bureau : Re Experian, TransUnion, or Equifax Credit Bureaus I am writing to formally dispute the accuracy of the late payment being reported on my XXXX XXXX XXXX XXXXXXXX account in my credit report. It is my understanding that 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy when reporting consumer information. As this late payment is currently being furnished, I am requesting that you conduct a thorough investigation into its accuracy. To substantiate this late payment, the following documentation is required : Proof of the Periodic Statement : According to 15 U.S.C. 1666b, a creditor can not classify a payment as late unless a periodic statement is sent in compliance with 15 U.S.C. 1637b. I request verification that this statement was sent, including a copy of the periodic statement showing the payment due date. Proof of Timely Delivery : 15 U.S.C. 1666b also requires that the periodic statement be sent no later than 21 days before the payment due date. Please provide proof that the statement was mailed on time, including a tracking number or other confirmation of mailing. Negative Information Notice : Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), the creditor must provide written notice to the consumer before reporting any negative information, such as a late payment. I request evidence that this negative information notice was sent to me. Request for Resolution : If your investigation reveals that this late payment can not be verified through the required documentation, I request that the late payment be removed from my credit report, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 5 ). Failure to provide the necessary evidence within the legally required XXXX investigation period will confirm that the reported late payment is inaccurate, and I will expect its immediate deletion to comply with federal law. For verification purposes, I am attaching a copy of my identification and a recent utility bill. Please note that any attempt to delay this process or send non-responsive or generic stall tactics will result in an immediate complaint to the Consumer Financial Protection Bureau ( CFPB ). I have XXXX valid addresses and need both to be recognized in their records, with the attached supporting documents as proof. Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Frequently Asked Questions
What is Complaint #12200407 about?
Complaint #12200407 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 2025-02-24T12:00:00-05:00.
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.