Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15933238
Complaint Overview
Complaint ID: 15933238
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: Their investigation did not fix an error on your report
State: North Carolina
ZIP Code: 285XX
Date Received: 2025-09-14T12:00:00-05:00
Date Sent to Company: 2025-09-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Equifax altered my XXXXXXXX XXXX XXXX payment history retroactively. On or about XXXX XXXX, XXXX, XXXX months that were previously reported as Current were changed to late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late These late payments were not present on earlier reports and were added years later, which constitutes unlawful re-aging under FCRA 605 ( c ). A credit bureau can not go back years and insert new late payments that were never originally reported. This change has damaged my credit score, misrepresents my payment history, and violates my rights under the Fair Credit Reporting Act. I request that CFPB require XXXX and Equifax to either : Provide documentation of original billing records showing these lates, or Remove them immediately from my file.
Frequently Asked Questions
What is Complaint #15933238 about?
Complaint #15933238 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 2025-09-14T12:00:00-05:00.
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.