Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14870126
Complaint Overview
Complaint ID: 14870126
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: North Carolina
ZIP Code: 28025
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute and request immediate correction and removal of inaccurate and potentially unlawful information appearing on my consumer credit report in relation to the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX I am requesting the deletion of all late payments reported under this account. The information reported is not accurate and violates my rights under the 15 U.S. Code 1681s-2 ( 2 ) ( xi ), which requires furnishers of information to correct and update information that is found to be inaccurate or incomplete. These reported late payments are damaging and do not reflect the true and lawful status of the account. I request that all derogatory information, specifically the late payments, be permanently removed from my credit file with all three credit reporting agencies immediately. XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX This account is reported in violation of 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which governs communication with consumers by debt collectors. Due to these violations, I am requesting that this account be permanently deleted from my credit report across all three bureaus. XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX Similarly, this account is being reported in violation of 15 U.S. Code 1692c. Based on these legal violations and the harm caused by inaccurate or unlawful reporting, I am requesting the immediate removal of this account from my consumer report. Please initiate an immediate investigation into these matters as required by the Fair Credit Reporting Act ( FCRA ), and notify me of the results. I request that you provide written confirmation once the inaccuracies have been corrected and the accounts have been removed or amended. Thank you for your attention to this matter. I expect timely and appropriate action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year>XXXX SSN last XXXX : XXXX
Frequently Asked Questions
What is Complaint #14870126 about?
Complaint #14870126 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 2025-07-24T12:00:00-05:00.
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.