Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13249518
Complaint Overview
Complaint ID: 13249518
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: Florida
ZIP Code: 33432
Date Received: 2025-04-29T12:00:00-05:00
Date Sent to Company: 2025-04-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX ACCOUNT ENDING IN " XXXX '' To : XXXX XXXX XXXX XXXX Attn : Credit Reporting/Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX RE : NOTICE OF INTENT TO PURSUE LEGAL ACTION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern, This letter serves as a formal notice of your violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) due to your inaccurate and damaging credit reporting practices. Specifically, XXXX XXXX XXXX XXXX has erroneously reported my XX/XX/XXXX auto loan payment as XXXX late to the major credit reporting agencies, despite this payment not being delinquent. On XX/XX/XXXX, I contacted your XXXX XXXX Department and spoke with a representative identified as XXXX or XXXX. During our conversation, I was assured that your records do not show the XX/XX/XXXX payment as 30-days late. I was also informed that upon providing proof of the erroneous reporting, corrective action would be taken. I promptly provided documentation from the credit bureaus reflecting the false late payment via email on the same day. Despite this, your institution has failed to correct the inaccuracy. This false reporting has had a direct and adverse impact on my creditworthiness, including denial of credit card applications and refinancing optionseffectively interfering with my ability to secure better loan terms and interest rates. It is my belief that this false reporting is not only negligent but also intentional, with the aim of preventing me from refinancing my auto loan with another lender at more favorable terms, which is a direct violation of my rights under the FCRA. You have 30 days from the date of this letter to : Remove the inaccurate late payment for XX/XX/XXXX from all credit reporting agencies. Provide written confirmation of the correction. Cease and desist from reporting this payment as delinquent in the future. Failure to take immediate corrective action will result in legal proceedings against XXXX XXXX XXXX XXXX, where I will seek all available remedies including but not limited to actual damages, statutory damages, attorneys fees, and punitive damages as permitted under the FCRA. This letter is sent in good faith to give your institution an opportunity to rectify this matter before further legal action is initiated. Please govern yourselves accordingly. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13249518 about?
Complaint #13249518 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 2025-04-29T12:00:00-05:00.
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.