Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14296457
Complaint Overview
Complaint ID: 14296457
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: Florida
ZIP Code: 33134
Date Received: 2025-06-25T12:00:00-05:00
Date Sent to Company: 2025-06-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting. Despite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. Violations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation. FCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified. FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done. TILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act. 12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as " disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. Additional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. XXXX : Payment status Current, Remarks Consumer disputed account, No late history. Equifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. This inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws. Desired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. Correction and synchronization with XXXX and XXXX records. Written confirmation from Equifax acknowledging the correction. Review and enforcement of compliance obligations by CFPB. Please investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.
Frequently Asked Questions
What is Complaint #14296457 about?
Complaint #14296457 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 2025-06-25T12:00:00-05:00.
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.