Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9156823
Complaint Overview
Complaint ID: 9156823
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: Ohio
ZIP Code: 45011
Date Received: 2024-06-01T12:00:00-05:00
Date Sent to Company: 2024-06-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern, This letter is to formally dispute inaccurate information on my credit report. I am writing in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. Section 1666b of the FCRA prohibits you, as a credit reporting agency, from including inaccurate or misleading information in consumer reports. I am disputing a XXXX transaction XXXX currently listed on my credit report as a late payment. I was never provided with the disclosures required by 15 U.S.C. 1637b. This section mandates that creditors furnish a clear and conspicuous disclosure statement before marking any account as late. Without receiving this disclosure, the legitimacy of the transaction can not be confirmed. I request that you investigate this dispute promptly and thoroughly. Based on the lack of authorization and the missing disclosures, I demand that you exclude the XXXX transaction from my credit report. Please notify me of the results within the timeframe mandated by the FCRA. If the investigation confirms my claim, I expect you to update my report and reflect the exclusion of this disputed transaction. Additionally, please provide me with a copy of the updated report. I understand that you are required to notify me of the results of your investigation within 30 days of receiving this letter. If I do not receive a response within that timeframe, or if I am not satisfied with your investigation, I will be forced to pursue further action as authorized by the FCRA. Thank you for your time and attention to this matter.
Frequently Asked Questions
What is Complaint #9156823 about?
Complaint #9156823 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 2024-06-01T12:00:00-05:00.
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.