Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6651264
Complaint Overview
Complaint ID: 6651264
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: Massachusetts
ZIP Code: 021XX
Date Received: 2023-03-05T12:00:00-05:00
Date Sent to Company: 2023-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX due to the months of stress. I made a payment and XXXX never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.
Frequently Asked Questions
What is Complaint #6651264 about?
Complaint #6651264 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 2023-03-05T12:00:00-05:00.
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.