Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4568417
Complaint Overview
Complaint ID: 4568417
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 30265
Date Received: 2021-07-22T12:00:00-05:00
Date Sent to Company: 2021-07-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/2021, I made a regular monthly payment in the amount of {$950.00} by check to XXXX XXXX in XXXX, Georgia for my XXXX mortgage payment. The payment was made on the due date of XX/XX/2021 and well before the late payment date of XX/XX/2021. On XX/XX/2021, I was reviewing my credit reports from XXXX, XXXX, and Equifax when I discovered that the mortgage account had been reported as having a 30 day late payment for the month of XXXX. I immediately called XXXX XXXX and they told me that they were showing all my payments had been made on time and were current, and that someone from credit reporting would call me back that day. I got a call back but was told that I would need to email a copy of my credit report to XXXX XXXX to get the issue resolved. I emailed a copy and detailed what was happening. I also left a voicemail, which was not returned. After receiving no response from Ms. XXXX, I called her again, and again received no response. Customer service attempted to transfer me to XXXX XXXX, and I again was just transferred to voicemail. I have a receipt that shows the payment made on XX/XX/XXXX as well as an image of the cancelled check I used to pay. I need this late payment removed from my credit report and it seems that no one at the bank is responding. I have attached copies of my Equifax credit report and cancelled check used to make the XXXX payment.
Frequently Asked Questions
What is Complaint #4568417 about?
Complaint #4568417 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-07-22T12:00:00-05:00.
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, credit repair services, 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.