Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15772289
Complaint Overview
Complaint ID: 15772289
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: South Carolina
ZIP Code: 29420
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
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 an inaccurate late payment reported on my Equifax credit file for the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Authorized User ) Date Opened : XX/XX/XXXX Reported Late Payment : XX/XX/XXXX ( 30 days late ) I dispute the accuracy of this late payment for the following reasons : 1. I am listed as an Authorized User on this account. As such, I should not be held liable for the payment history unless the account holder has a consistent pattern of delinquency, which is not the case here. 2. The payment history is otherwise clean, showing consistent OK or no reporting for every other month. 3. The account status is reported as Current with no past due balance and shows regular payments being made, including a recent payment of {$170.00} in XX/XX/XXXX. This suggests the reported late payment in XX/XX/XXXX is likely a reporting error or system glitch.
Frequently Asked Questions
What is Complaint #15772289 about?
Complaint #15772289 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 2025-09-06T12:00:00-05:00.
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.