Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12990082
Complaint Overview
Complaint ID: 12990082
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: North Carolina
ZIP Code: 281XX
Date Received: 2025-04-14T12:00:00-05:00
Date Sent to Company: 2025-04-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing an inaccurate late payment reported by [ XXXX XXXX XXXXXXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.
Frequently Asked Questions
What is Complaint #12990082 about?
Complaint #12990082 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 2025-04-14T12:00:00-05:00.
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.