Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15364879
Complaint Overview
Complaint ID: 15364879
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Florida
ZIP Code: 33142
Date Received: 2025-08-18T12:00:00-05:00
Date Sent to Company: 2025-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXXXXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Metro 2 Compliance Dispute Inaccurate Late Payment & Unauthorized Inquiries Account : XXXX XXXX Account # XXXX To Whom It May Concern, This letter serves as a formal Metro 2 compliance dispute regarding the account XXXX XXXX ( Acct # XXXX ). Equifax is reporting this account with a late payment in XX/XX/XXXX, which is factually inaccurate and must be corrected immediately. The alleged delinquency of {$3.00} is not valid and should never have been reported as a late payment. Metro 2 Format Correction Request ( Late Payment ) : - Base Segment : XXXX ( Account Information ) - Compliance Condition Code : XXXX ( Consumer disputes, meets FCRA ) - Required Correction : Remove all derogatory late payment notations and report account as Paid as Agreed/ Current. Additionally, I am disputing the following unauthorized hard inquiries that appear on my Equifax credit file. These inquiries were made without my authorization or any permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ( a ) ( 3 ) ) and must be deleted immediately : - XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Metro 2 Format Correction Request ( Inquiries ) : - Segment : XXXX ( Inquiry Segment ) - Condition Code : XXXX ( Delete Inquiry ) - Action Required : Permanent deletion of the above-listed unauthorized inquiries. Pursuant to FCRA 609 ( a ) ( 1 ), I request full verification of the above items. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is obligated to delete any unverifiable or inaccurate information. Furthermore, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting false or misleading information. Failure to comply with these correction requests will constitute willful non-compliance with the FCRA and Metro 2 reporting standards, and I will not hesitate to escalate with the CFPB and other regulatory authorities. Sincerely, XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15364879 about?
Complaint #15364879 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 2025-08-18T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.