Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5221462
Complaint Overview
Complaint ID: 5221462
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: Florida
ZIP Code: 34609
Date Received: 2022-02-14T12:00:00-05:00
Date Sent to Company: 2022-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a revolving account with XXXX XXXX that unfortunately due to loss of employment I was unable to maintain. On XXXX I settled the account in good faith. XXXX XXXX XXXX updated the account as settled within 2 weeks as " {$0.00} balance past due '', after XXXX XXXX reported the settlement. Equifax did not update their records. When I initially reached out to Equifax they informed me its up to the original creditor & advised that I reach back out to XXXX XXXX to correct this issue. Following the advice I reached back out to XXXX XXXX & the general manager manually sent the 2'nd update to Equifax on XXXX. I waited over a week with no response from Equifax, I called them again to simply update the account & they refused. I disputed the XXXX XXXX account with Equifax for the same reason as stated above " balance not reporting accurately '' I could not upload the letter of my successful settlement on the Equifax website, so I faxed the document over twice & sent it by regular snail mail. Equifax still refuses to correct their reporting. I thought the system was built on truth and accuracy. I am a few points short of obtaining a mortgage for me & my family, Equifax is making sure me and my family stay XXXX
Frequently Asked Questions
What is Complaint #5221462 about?
Complaint #5221462 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 2022-02-14T12:00:00-05:00.
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, 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.