Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14987449
Complaint Overview
Complaint ID: 14987449
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Massachusetts
ZIP Code: 02302
Date Received: 2025-07-30T12:00:00-05:00
Date Sent to Company: 2025-07-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Credit Bureau Legal Team : XXXX Cfpb : I am disputing a 90-day late payment reported by XXXX XXXX on my student loan in XX/XX/year>2025. I was never sent written notice or warning of this delinquency, which is a direct violation of FCRA 623 ( a ) ( 7 ) ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ), requiring notice before reporting negative information. No mailed or electronic alert was provided. Since XXXX, Ive made every payment on time and enrolled in autopay. This report is inaccurate, misleading, and legally noncompliant. Under FCRA 611 ( 15 U.S.C. 1681i ), the bureaus must reinvestigate disputed data and delete it if its unverifiable. XXXX has failed to provide validation or documentation of this delinquency. They are required under FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) to investigate and correct or delete inaccurate information. Further, because this is a federal student loan, XXXX is also bound by XXXX and Higher Education Act obligations regarding communication and data privacy. Reporting without consumer-facing documentation or notice is a violation of both federal education and consumer protection law. This derogatory mark is damaging, unsupported, and must be removed. As established in XXXX v. TransUnion and XXXX XXXX XXXX, failure to verify disputed data creates legal liability. I demand immediate deletion of this 90-day late entry and written confirmation that it has been corrected across all credit bureaus.
Frequently Asked Questions
What is Complaint #14987449 about?
Complaint #14987449 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 2025-07-30T12:00:00-05:00.
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.