Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15339506
Complaint Overview
Complaint ID: 15339506
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: Georgia
ZIP Code: 30228
Date Received: 2025-08-17T12:00:00-05:00
Date Sent to Company: 2025-08-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Formal Dispute of Inaccurate Charge-Off / Late Payment Reporting To Whom It May Concern, I am writing to dispute the accuracy and validity of a charge-off/late payment reported by XXXX XXXX on my account, which has been furnished to the consumer reporting agencies. After reviewing my credit file, I believe this reporting is inaccurate, unverifiable, and in violation of federal law. Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they knowor should reasonably knowto be inaccurate. Unless XXXX XXXX can provide original, documented proof of the alleged delinquency, this entry must be deleted. FCRA, 15 U.S.C. 1681s-2 ( b ) requires that once a dispute is received, the furnisher must conduct a reasonable investigation, review all relevant information, and report the results back to the consumer reporting agencies. If the information can not be verified, it must be corrected or deleted. 15 U.S.C. 1666b ( Truth in Lending Act ) requires timely posting of payments. Any failure on XXXX XXXX part to properly credit payments can not legally result in a late payment designation. 15 U.S.C. 1637 ( b ) requires accurate and complete periodic billing statements. If XXXX XXXX can not produce these original records, then the basis for the alleged late payment/charge-off is invalid. Specific Account in Question XXXX XXXX / Number : XXXX Alleged Late Payment/Charge-Off Date : XX/XX/year> Request for Action I formally request that XXXX XXXX conduct a reinvestigation into the reporting of this account. Unless you can provide the following documentation, the late payment/charge-off must be withdrawn from all credit reporting agencies to which you have furnished it : Original signed account agreement. Complete payment history and billing statements covering the alleged period of delinquency. Documentation proving proper notice of delinquency was provided to me, in compliance with applicable laws. If XXXX XXXX can not produce this documentation, you are legally obligated to immediately notify Experian, TransUnion, and Equifax that the reported information is inaccurate and must be deleted. Notice of Compliance Failure to comply with these requirements will be considered willful noncompliance under 15 U.S.C. 1681n, exposing XXXX XXXX to liability for statutory damages, attorneys fees, and costs. I respectfully request written confirmation within 30 days of receiving this notice that either : The disputed charge-off/late payment entry has been deleted from all consumer reporting agencies ; or Documentation supporting the validity of the reporting has been provided to me. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #15339506 about?
Complaint #15339506 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 2025-08-17T12:00:00-05:00.
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.