Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14353468
Complaint Overview
Complaint ID: 14353468
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: 90503
Date Received: 2025-06-28T12:00:00-05:00
Date Sent to Company: 2025-06-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Re : Inaccurate Late Payment Reporting XXXX XXXX Dear CFPB and Equifax, Thank you for your response regarding my complaint about inaccurate late payment information on my credit report related to XXXX XXXX. However, I must firmly dispute Equifaxs conclusion that this account and the late payments belong to me. Verification of ownership does not equal accuracy of the reported payment history. I am not disputing the existence of the account itself, but the accuracy of the reported late payments, which are either inaccurate or a result of extenuating circumstances that were not properly considered or reflected. My key concerns are : No proof has been provided to confirm that the late payments were accurate, only that the account exists. My dispute specifically challenged the late payment history, not the entire tradeline. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation when information is incomplete or inaccurate not simply verified in bulk by the furnisher. If the furnisher could not substantiate the accuracy of the late payments with documented evidence ( e.g., statements, payment logs ), then those derogatory marks should be removed. Additionally, under the FCRA and CFPB guidance, if a consumer provides supporting evidence ( which I am willing to supply ), the burden is on the data furnisher and credit bureau to ensure maximum possible accuracy not simply rely on automated verification responses. I am requesting : XXXX. A detailed explanation of what steps were taken to verify the late payment reporting. XXXX. Removal of the late payments that can not be substantiated with documentation. XXXX. A full reinvestigation, including providing me with copies of any records the furnisher used to verify the accuracy of the payment history. XXXX. Alternatively, I am requesting that this matter be escalated or reviewed by a human supervisor or compliance specialist for further investigation. Please advise on the next steps. I would like this dispute handled accurately and fairly, in accordance with the law.
Frequently Asked Questions
What is Complaint #14353468 about?
Complaint #14353468 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 2025-06-28T12:00:00-05:00.
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.