Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17851389
Complaint Overview
Complaint ID: 17851389
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: North Carolina
ZIP Code: 27217
Date Received: 2025-12-08T12:00:00-05:00
Date Sent to Company: 2025-12-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The furnisher is inaccurately reporting a XXXX late payment on my account, even though they have no verifiable evidence to substantiate the delinquency. Under FCRA 1681e ( b ), a late payment can not be reported unless the furnisher possesses timestamped proof showing the date the payment was received and posted, along with evidence that any delay was my fault. They have provided none. I issued a formal dispute requesting documentary verification. Instead of performing a lawful investigation under FCRA 1681s-2 ( b ) and 1681i, the furnisher relied on an automated e-OSCAR response, which is not a reasonable investigation under CFPB standards. They failed to provide any of the required records such as an original payment ledger, posting log, or audit trail. Furthermore, under FCBA 1666b, payments must be credited as of the date received. If the payment was received on time but posted late internally, the furnisher is prohibited from reporting it as a delinquency. Their reporting contradicts this requirement. Because the furnisher can not produce the legally required documentation, the late payment is unverifiable, inaccurate, and noncompliant with federal law, yet they continue to report it.
Frequently Asked Questions
What is Complaint #17851389 about?
Complaint #17851389 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 2025-12-08T12:00:00-05:00.
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.