Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12780179
Complaint Overview
Complaint ID: 12780179
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: Florida
ZIP Code: 337XX
Date Received: 2025-04-01T12:00:00-05:00
Date Sent to Company: 2025-04-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Introduction I am writing to formally dispute the late payment reported by all three credit bureau agencies for the month of XXXX. I firmly believe that this report is inaccurate and wish to provide you with evidence and details supporting my case. Background As stated in my divorce agreement, I am responsible for paying all household bills until I move out. I moved out on XX/XX/XXXX and signed my new lease in Florida on XX/XX/XXXX. All previous balances were paid XXXX month prior to their respective due dates. For example, paying the bill in XXXX covered the mortgage for XXXX, and paying the bill in XXXX covered the mortgage for XXXX. Which is documented in all the credit Bureau documents under XXXX XXXX lXXXX XXXXXXXX on my credit report. Details of the Dispute Moved out date : XX/XX/XXXX Lease signed : XX/XX/XXXX All balances paid up to date : XXXX month prior XXXX mortgage payment : Not my responsibility it is and was XXXX XXXX Evidence I have enclosed the following documents to support my claim : Divorce agreement plus page 5, - 4.1 paragraph 6 stating my responsibility to pay 50 % of household bills until I move out, ( XX/XX/XXXX. ) Lease agreement signed on XX/XX/XXXX. Moved out on XX/XX/XXXX. Conclusion Given that I moved out on XX/XX/XXXX and was up to date with all payments until then, I am not responsible for the XXXX mortgage payment. I kindly request that the incorrect late payment reported be removed from my credit file for good.
Frequently Asked Questions
What is Complaint #12780179 about?
Complaint #12780179 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 2025-04-01T12:00:00-05:00.
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.