Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12958978
Complaint Overview
Complaint ID: 12958978
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: Florida
ZIP Code: 33025
Date Received: 2025-04-12T12:00:00-05:00
Date Sent to Company: 2025-04-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute and file a complaint regarding inaccurate reporting of late payments and continued derogatory notations by XXXX XXXX XXXX XXXX after full payoff of my auto loan, which was closed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my credit report, the loan was fully paid, yet negative payment history was reported post-payoff, Loan Paid Off but Score Dropped. I paid off the loan XXXX XXXX XXXX ). The account was closed XX/XX/year>, which should be neutral or slightly positive. I made XXXX payments on time recently, yet your score still dropped. This confirms they reported late payments prior to full payoff, affecting your payment history possibly post-payoff reporting of late payments ( which violates FCRA 623 if inaccurate ). which constitutes false furnishing of credit data in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to correct and update information 15 U.S.C. 1681n Civil liability for willful noncompliance These actions have directly harmed my credit profile, contributing to a XXXX XXXX drop despite my consistent on-time payments and zeroed balance. I am demanding a full investigation, deletion of inaccurate information, and proof of permissible purpose for all inquiries. If unresolved, I will file complaints with the CFPB, FTC, and my State Attorney General.
Frequently Asked Questions
What is Complaint #12958978 about?
Complaint #12958978 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 2025-04-12T12:00:00-05:00.
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.