Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13454792
Complaint Overview
Complaint ID: 13454792
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: 33317
Date Received: 2025-05-11T12:00:00-05:00
Date Sent to Company: 2025-05-11T12:00:00-05:00
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 inaccurate late payment information on my credit report related to my XXXXXXXX XXXX XXXX account issued by XXXX XXXX ( Account ending in XXXX ). The late payments reported for XXXX and XX/XX/XXXX are inaccurate and resulted from XXXXXXXX XXXX XXXX internal enrollment error in their hardship program. On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX, who enrolled me in a hardship payment plan with a confirmed monthly payment of {$50.00}. I honored this agreement and made payments on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as confirmed by my bank and XXXXXXXX XXXX own records. However, due to an error on XXXX part, this enrollment was mishandled, and I was incorrectly reported as 30 and 60 days late. I later spoke with a different representative, XXXX, who acknowledged the mistake and enrolled me into their Long-Term Workout Program, which officially began on XX/XX/XXXX XXXX I have remained in good standing and made consistent payments under the new plan since then. XXXX reported 30-days past due XX/XX/XXXX, 60-days past due XX/XX/XXXX, 30-days past due XX/XX/XXXX, and 60-days past due XX/XX/XXXX. These negative marks are unfair and misleading, as the payments for XX/XX/XXXX and XX/XX/XXXX were made as stated in the XX/XX/XXXX, agreement, and XX/XX/XXXX and XX/XX/XXXX payments of {$100.00} were made as stated in the XX/XX/XXXX, agreement. All negative reporting is incorrect because these payments were made under an agreement provided by XXXXXXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the inaccurate late payment entries for XXXX and XX/XX/XXXX be investigated and corrected or removed from my credit file. Supporting Documents Included : XXXXXXXX XXXX hardship program letter ( Long Term Workout Program, dated XX/XX/XXXX ) Verified payment history from XX/XX/XXXX through XX/XX/XXXX Scheduled payments showing ongoing participation in the workout program This written explanation of the issue Please conduct a prompt investigation and update my credit file accordingly. I would appreciate written confirmation of the results of your investigation.
Frequently Asked Questions
What is Complaint #13454792 about?
Complaint #13454792 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 2025-05-11T12:00:00-05:00.
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.