Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13227309
Complaint Overview
Complaint ID: 13227309
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: 33030
Date Received: 2025-04-28T12:00:00-05:00
Date Sent to Company: 2025-04-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding the inaccurate reporting of late payments by XXXX XXXX on my Experian credit report. This is an active account in good standing. I disputed the reporting of late payments which I believe are inaccurate, and Experian simply verified the account without proper investigation or providing any method of verification as required under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates a reasonable investigation and accuracy in consumer reporting. I am requesting that the late payment ( s ) be removed and the account reflect a current and on-time payment history, without derogatory remarks. I request CFPB assistance to ensure Experian fulfills its obligations and updates my file accordingly.
Frequently Asked Questions
What is Complaint #13227309 about?
Complaint #13227309 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 2025-04-28T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.