Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9046653
Complaint Overview
Complaint ID: 9046653
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: Georgia
ZIP Code: 30127
Date Received: 2024-05-19T12:00:00-05:00
Date Sent to Company: 2024-05-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally address a significant error in the credit reporting for my account ( XXXX ) managed by XXXX XXXX XXXX XXXX XXXX. I contacted you in XXXX to correct this and you provided proof that I dont owe you and still continued to report incorrect info for XXXX and XXXX. My account has been incorrectly reported as having late payments for the months of XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX. This is clearly inaccurate ; all payments were completed on time. Furthermore, this account was settled in full by my insurance company in XX/XX/XXXX following a total loss of the vehicle. The account currently incorrectly reflects a status of Charged Off with late payments over 30 days, which is a clear error and misrepresentation of the actual account status. This incorrect information is adversely affecting my credit standing and must be addressed immediately. Please be advised, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have accurate and complete information reported. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) emphasizes the obligation of furnishers and credit bureaus to report precise information about consumers. I have the letter from XXXX and the insurance claim docs proving all debts where cleared years ago. I have previously contacted your offices regarding this matter and yet the issue remains unresolved in XXXX! This continued reporting error not only undermines my financial integrity but also suggests a systemic issue within your reporting processes. I urge you to rectify this error immediately and confirm in writing once the correction has been made to the credit bureaus. Failure to resolve this matter promptly will compel me to take further action, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and I have now involved the CFPB, and will consider legal remedies under the FCRA.
Frequently Asked Questions
What is Complaint #9046653 about?
Complaint #9046653 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 2024-05-19T12:00:00-05:00.
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 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.