Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6483022
Complaint Overview
Complaint ID: 6483022
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: Maryland
ZIP Code: XXXXX
Date Received: 2023-01-24T12:00:00-05:00
Date Sent to Company: 2023-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' XXXX, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXX of XXXX ( see attached XXXX ) and note sale and balance ( attached XXXX ). XXXX, Remove or provide signed document that has both my wife and my name that supports the XXXX month term ( attached XXXX ). XXXX, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our XXXX consecutive and on time payment history. XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX Transaction History ( XXXX ) according to the XXXX Transaction History. There is an {$3700.00} difference according to the XXXX Transaction History. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXX - XXXX ) ( attached XXXX ). We also ask to have the loan Serviced according to the Note or XXXX loan XXXX, which are the only Active Loan Documents for our loan. The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.
Frequently Asked Questions
What is Complaint #6483022 about?
Complaint #6483022 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 2023-01-24T12:00:00-05:00.
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.