Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14380426
Complaint Overview
Complaint ID: 14380426
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: Texas
ZIP Code: 77494
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a written dispute regarding a late payment reported by XXXX XXXX XXXX XXXX, account number XXXX Under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), I have the right to dispute inaccurate information and to have a reasonable reinvestigation conducted within XXXX days. The credit bureau is required to : Reinvestigate the item ( XXXX ( a ) ( XXXX ) ( A ) ) Notify the furnisher of the dispute within XXXX business days ( XXXX ( a ) ( XXXX ) ( A ) ) Delete or correct any item that can not be verified ( XXXX ( a ) ( XXXX ) ( A ) ) Provide me with the results of the reinvestigation and the method of verification ( XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) The bureau failed to verify the accuracy of the reported late payment or provide proper documentation, and yet the derogatory mark remains on my credit report. This is a violation of my rights under FCRA XXXX XXXX. I am requesting that the CFPB take action to require the credit bureau to : Delete the late payment if it can not be verified with supporting documentation ; or Provide a full copy of the verification received from the furnisher of the information. This inaccuracy is having a negative effect on my credit standing, and I seek a timely resolution in accordance with federal law.
Frequently Asked Questions
What is Complaint #14380426 about?
Complaint #14380426 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 2025-06-30T12:00:00-05:00.
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.