Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13581141
Complaint Overview
Complaint ID: 13581141
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Alabama
ZIP Code: 361XX
Date Received: 2025-05-18T12:00:00-05:00
Date Sent to Company: 2025-05-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon reviewing my consumer reports, I noticed multiple entries indicating late payments on my XXXX XXXX XXXX account ( Acct # XXXX ). This came as a shock, as I have consistently made my payments on time and have taken great care to uphold my financial responsibilities. The accuracy of the information reported by Consumer Reporting Agencies is critical to a consumer 's financial reputation and opportunities. Reporting errors can unfairly damage a consumers credit profile, and unfortunately, these late payment entries are doing just that in my case. They have negatively affected my credit score and, by extension, my ability to access fair financial products and terms. Additionally, Ive identified conflicting payment dates across the three major credit bureaus for this same account. These discrepancies further indicate potential inaccuracies in how my payment history is being reported, and they raise concerns about the reliability of the data provided. I request a detailed investigation into these discrepancies and ask that you provide supporting documentation, such as account statements, to substantiate the reported late payments. If proof can not be provided I demand these payments to be updated to on-time as they should be as I was NEVER late. As a consumer who has upheld all obligations and made timely payments, I expect these inaccuracies to be corrected swiftly. I appreciate your prompt attention to this matter and look forward to a resolution.
Frequently Asked Questions
What is Complaint #13581141 about?
Complaint #13581141 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-18T12:00:00-05:00.
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.