Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8181286
Complaint Overview
Complaint ID: 8181286
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Pennsylvania
ZIP Code: 19130
Date Received: 2024-01-15T12:00:00-05:00
Date Sent to Company: 2024-01-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, I received a copy of my XXXX and Equifax credit report, I noticed some late payments posted on my credit report. Ive contacted them directly, but they are choosing to ignore my request. The account is paid and closed. My request is for them to adhere to the law and correct important errors that has been negatively effecting my consumer report. XXXX XXXX XXXX XXXX : Account number XXXX. XXXX XXXXXXXX XXXX XXXX is in clear violation of the law. USC 1681b-permissible purpose of consumer report, The law clearly states : ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave written instructions to furnish this information on my credit report! Furthermore, the fair credit reporting ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include- ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681
Frequently Asked Questions
What is Complaint #8181286 about?
Complaint #8181286 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-15T12:00:00-05:00.
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.