Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13709185
Complaint Overview
Complaint ID: 13709185
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: Tennessee
ZIP Code: 381XX
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
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 the reporting of a late payment on my Equifax credit file related to the following account : Account Name : Regions Bank Account Number : XXXX Date Opened : XX/XX/year>2012 Balance : {$0.00} Reason for Dispute : I do not recall ever missing a payment on this account. If a late payment is being reported, I believe it is either inaccurate, the result of a reporting error, or occurred under circumstances that should not be reflected negatively on my credit history ( e.g., system error, mail delays, or misapplied payments ). I request that Equifax initiate a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and verify this account with original documentation from the creditor. If the late payment can not be confirmed with complete and accurate records, I request that it be corrected or removed from my credit report.
Frequently Asked Questions
What is Complaint #13709185 about?
Complaint #13709185 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 2025-05-25T12:00:00-05:00.
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.