Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15762296
Complaint Overview
Complaint ID: 15762296
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Illinois
ZIP Code: 61108
Date Received: 2025-09-05T12:00:00-05:00
Date Sent to Company: 2025-09-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding multiple inaccurate, misleading, and unfair entries on my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and have caused serious harm to my financial standing, emotional well-being, and ability to access fair credit. I request immediate investigation, correction, and deletion of all inaccurate information. XXXX XXXX XXXX * * * * Opened : XX/XX/XXXX High Balance : {$0.00} * * Issue : Late Payment Story & Law Reference : This account has always been paid on time and in full. The reporting of a late payment is completely false and demonstrates negligence on the part of the furnisher. According to FCRA 1681i, I am entitled to dispute any information that is inaccurate or unverifiable, and XXXX XXXX has a legal duty to correct errors promptly. This false reporting has caused undue stress, has negatively affected my credit score, and has limited my ability to access financial products, including loans, credit cards, and housing opportunities. The misrepresentation of my financial responsibility is unacceptable, and immediate removal of this inaccurate late payment is demanded. Repeated inquiries and challenges to this false entry have not been addressed adequately, further compounding the damage. XXXX XXXXXXXX * * * * Opened : XX/XX/XXXX High Balance : {$0.00} * * Issue : Late Payment Story & Law Reference : I have never missed a payment on this account. The false reporting of a late payment violates FCRA 1681i, which requires furnishers to provide accurate information and to promptly correct errors once they are brought to their attention. This inaccurate reporting paints a misleading picture of my creditworthiness, causing financial and emotional harm. The false late payment is preventing me from securing fair loan terms and has created unnecessary stress, embarrassment, and economic impact. Such negligent and inaccurate reporting is a direct violation of federal law and undermines the credibility of the credit reporting system. Immediate deletion of this inaccurate entry is required. I request that the CFPB ensure a thorough investigation and correction of all above accounts. These inaccurate entries have caused substantial financial harm, emotional distress, and misrepresentation of my credit history. I demand that all false late payments be permanently removed from my credit report. Written confirmation of corrections should be provided within the legally mandated timeframe. Failure to correct these inaccuracies would continue to violate federal law and exacerbate the harm caused. Thank you for your immediate attention to this matter.
Frequently Asked Questions
What is Complaint #15762296 about?
Complaint #15762296 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-09-05T12:00:00-05:00.
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.