Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18332168
Complaint Overview
Complaint ID: 18332168
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: 604XX
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : FORMAL DISPUTE & DEMAND FOR REMOVAL OF ALL LATE PAYMENTS This letter constitutes a FORMAL LEGAL DISPUTE under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), Regulation Z, and the Uniform Commercial Code. I am disputing the accuracy, completeness, and legal verifiability of ALL late payments XXXX is reporting on the following accounts : Accounts in Dispute ( XXXX Reporting ) : XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX ( {$400.00} limit ) XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX ( {$200.00} limit ) Basis of Dispute Accounts are reported as OPEN and CURRENT, some showing {$0.00} past due Late payments are still being reported, which is materially misleading TransUnions reporting does not match Equifax or XXXX Information that is not reported consistently can not be accurate This constitutes violations of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). PROHIBITION OF e-OSCAR You are EXPRESSLY PROHIBITED from verifying this dispute through e-OSCAR or any automated system. A lawful investigation requires manual review of original account-level documentation. Any reliance on e-OSCAR will be treated as willful non-compliance. FORMAL DEMAND I am UNEQUIVOCALLY REQUESTING THE REMOVAL OF ALL LATE PAYMENTS associated with the above accounts. No partial deletions No status updates No re-aging DELETION IS THE ONLY ACCEPTABLE REMEDY. Failure to comply will result in CFPB, FTC, and Attorney General complaints and pursuit of damages under FCRA 616 & 617. You have 30 days from receipt to comply. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18332168 about?
Complaint #18332168 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 2025-12-28T12:00:00-05:00.
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.