Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15626948
Complaint Overview
Complaint ID: 15626948
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: Michigan
ZIP Code: 48532
Date Received: 2025-08-30T12:00:00-05:00
Date Sent to Company: 2025-08-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Correct Inaccurate Payment History / Billing Error Violations I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate late payment histories on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Upon review of my credit reports, I identified several accounts showing late payments that are inaccurate and unverifiable. These errors fall under 15 U.S.C. 1666 ( b ) ( Billing Errors ), specifically : 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit issued. 1666 ( b ) ( 5 ) : Computation or accounting errors by the creditor. Additionally, I was not provided with billing statements at least 21 days prior to the alleged due dates, meaning no late payments should have been reported. The continued reporting of these late payments without documentary evidence is both inaccurate and harmful. Accounts in Dispute ( Late Payments Reported in Error ) 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 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 Violations by XXXX XXXX 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon dispute. 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a method of verification when requested. 15 U.S.C. 1666 ( b ) : Improper reporting of billing errors without evidence.
Frequently Asked Questions
What is Complaint #15626948 about?
Complaint #15626948 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 2025-08-30T12:00:00-05:00.
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.