Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13474780
Complaint Overview
Complaint ID: 13474780
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: California
ZIP Code: 913XX
Date Received: 2025-05-12T12:00:00-05:00
Date Sent to Company: 2025-05-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing an inaccurate late payment entry reported by XXXX XXXX XXXX on my XXXX XXXX and Equifax credit reports, Account Number : XXXX * * * *, dated XX/XX/year>, with a balance of {$1800.00}. This entry is not only incorrect but also likely the result of a data breach that exposed my personal and financial information. Given my diligent payment history, this entry is a significant misrepresentation of my financial responsibility and has unjustly damaged my credit profile. Late payments are one of the most critical factors affecting credit scores, and the presence of this inaccurate data is a severe breach of my consumer rights under the FCRA. Under XXXX5 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), credit reporting agencies are required to ensure the accurate reporting of late payment information. Continuing to report this erroneous late payment despite my clear dispute is a direct violation of these federal protections. This kind of negligence not only erodes consumer trust but also exposes individuals like me to unnecessary financial burdens, including higher interest rates, reduced access to credit, and ongoing financial distress. Given the significant impact of this error on my financial well-being, immediate corrective action is required.
Frequently Asked Questions
What is Complaint #13474780 about?
Complaint #13474780 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 2025-05-12T12:00:00-05:00.
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.