Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15593963
Complaint Overview
Complaint ID: 15593963
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: Investigation took more than 30 days
State: Mississippi
ZIP Code: 393XX
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reporting of inaccurate late payment notations on XXXX open accounts listed in my credit report. After thoroughly reviewing my credit file, I have identified entries indicating late payments that do not accurately reflect my payment history or financial activity. These late payments are either incorrectly reported or are the result of clerical or processing errors, and as such, I believe they need to be carefully investigated and rectified. The XXXX accounts in XXXX XXXX and XXXX XXXX XXXX both listed as having late payments, which is inaccurate. These late payment notations do not align with my actual payment history or any communication I received regarding these accounts. In some cases, the reported late payments may have been the result of a minor delay in processing or a temporary issue, such as a payment being applied incorrectly, which does not justify a derogatory mark on my credit report.
Frequently Asked Questions
What is Complaint #15593963 about?
Complaint #15593963 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 2025-08-28T12:00:00-05:00.
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.