Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9177287
Complaint Overview
Complaint ID: 9177287
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 77389
Date Received: 2024-06-04T12:00:00-05:00
Date Sent to Company: 2024-06-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Compensation is sought in this complaint. Consumer reporting agencies are required to follow reasonable procedures to ensure credit reports are as accurate as possible under 15 USC 1681e ( b ). Complaint filed under CFPB XXXX was filed on XX/XX/XXXX, against Equifax due XXXX a tirade of inaccurate information on my credit bureau XXXX XXXX to have been done intentionally, by Equifax, XXXX, and XXXX. On XX/XX/XXXX, Equifax went into my credit report and begun making numerous changes to the report. XXXX XXXX XXXX XXXX XXXX XXXX was reporting accurately, Equifax intentionally went into my report and changed the history to XXXX days late for XX/XX/XXXX. In XXXX XXXX XXXX Bank was found guilty of violating the Military Lending Act XXXX XXXX XXXX. Their interest rate far exceeded the XXXXXXXX XXXX XXXX the CFPB forwarded the complaint to the FDIC in which XXXX XXXXXXXX XXXX voided the account as the law requires. Countless disputes went to all three CRA numerous times, in which all began reporting the account XXXX days late, every time I disputed the information, the XXXX day late payment would change to a different month at times Equifax would report the account XXXX days late. About a month ago I wrote the CEO of XXXX XXXX bank and she change the history to reflect correctly. as current Immediately after I filed the complaint on Equifax they retaliated and changed the account to reflect XXXX days late again. XXXX then began changing numerous accounts around within my report and did the exact same thing and changed the information. I called XXXX and they assured me they did not change the information, not only did I get the notification that they did but I look on Equifax website and the information was changed. The representative told me to hold on as I repeatedly ask for an explanation, and she rudely left me holding the phone. See Exhibit No XXXX the attached XXXX reported the account was fixed in XXXX See Exhibit No XXXX XXXX XXXXXXXX XXXX letter admitting they were in violation of the XXXX See Exhibit No XXXX Equifax was reporting correctly as the bank had already corrected the account See Exhibit No XXXX Equifax retaliated and changed the information to show erroneously late. Additional violations reporting by Equifax on this account Violation No XXXX Account type blank Violation No. XXXX Account reporting Open when the account is closed Violation No XXXX Date Open is incorrect Violation No XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9177287 about?
Complaint #9177287 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-06-04T12:00:00-05:00.
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.