Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12679528
Complaint Overview
Complaint ID: 12679528
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: Texas
ZIP Code: 75052
Date Received: 2025-03-23T12:00:00-05:00
Date Sent to Company: 2025-03-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently reviewed my credit report and noticed a account that was reporting inaccurately reflecting I had several missed payments & payment status was delinquent over 120+ days late ( XXXX ) when in fact the account is current. I have legal court litigation documents stating I am to pay {$0.00} on the account until we schedule a hearing no earlier then XXXX XXXX XXXX The consumer reporting agencys needs to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of court documents aswell as a copy of my credit report to this complaint on the following inaccurate payment dates in question. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments on account # XXXX. ( cause # XXXX ) child support does not constitute nor did it not originate in a consumer base transaction. Which means there where no lines of debt extended. If this information can not be verified, I demand these payments & account be updated to current/ on time immediately or removed from my consumer report entirely. Thank you for your understanding and prompt action.
Frequently Asked Questions
What is Complaint #12679528 about?
Complaint #12679528 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 2025-03-23T12:00:00-05:00.
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.