Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18159572
Complaint Overview
Complaint ID: 18159572
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: 60538
Date Received: 2025-12-18T12:00:00-05:00
Date Sent to Company: 2025-12-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX XXXX XXXX, GA XXXX EQUIFAX CONFIRMATION NO : XXXX FTC REPORT : XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Reported 30 days late in XX/XX/XXXX. The late payments is inaccurate and unverified. Please conduct a full reinvestigation and remove or correct the late payment history. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$47.00} 2. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$120.00} 3. This account has been paid before it went to the collection Please delete this immediately. XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) DATE OPENED XX/XX/XXXX BALANCE {$520.00} 4. This was paid before it went to the charged off. Please delete this immediately. XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$770.00} 5. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX 6. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX was paid before it went to the charged off. Please delete this immediately. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the creditor responsible for their inclusion. Any information that can not be verified by the creditor should be deleted. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.
Frequently Asked Questions
What is Complaint #18159572 about?
Complaint #18159572 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 2025-12-18T12:00:00-05:00.
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.