Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14137519
Complaint Overview
Complaint ID: 14137519
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 34711
Date Received: 2025-06-17T12:00:00-05:00
Date Sent to Company: 2025-06-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have disputed late payment entries reported by XXXX on my credit card account ending in XXXX on three separate occasions. Each time, XXXX has responded with a vague statement that the reporting is accurate and verified, yet has never provided any documentation to prove the validity of the alleged late payments. Most recently, on XX/XX/year>, I received another letter from XXXX again claiming accuracy, and stating they would only add a dispute remark to my credit file. This completely fails to resolve the issue. Simply stating that something is accurate without any supporting documentation is not verification, especially under 15 U.S. Code 1681s-2 ( b ) and 1681i. XXXX continues to report negative payment history to XXXX, Equifax, and XXXX yet they have not demonstrated compliance with 15 U.S. Code 1666b, which requires them to prove they delivered the billing statement at least 21 days before the payment due date. I am requesting that the CFPB investigate XXXX for failing to properly verify and for reporting potentially false and harmful information. I am requesting that all late payments on this account be removed from my credit reports. I have attached a formal final demand letter sent to XXXX.
Frequently Asked Questions
What is Complaint #14137519 about?
Complaint #14137519 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-17T12:00:00-05:00.
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.