Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9189161
Complaint Overview
Complaint ID: 9189161
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Michigan
ZIP Code: 48239
Date Received: 2024-06-05T12:00:00-05:00
Date Sent to Company: 2024-06-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account name : XXXX XXXX XXXX XXXX : Dispute of Late Payment Account Number XXXX To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit report associated with my XXXX XXXX XXXX account number XXXX. Upon reviewing my credit report, I noticed an entry indicating a late payment that I believe is incorrect. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, the use of consumer reports is regulated to ensure accuracy and fairness in credit reporting. I believe the late payment reported on my account does not accurately reflect my payment history and is adversely affecting my credit score. To support my dispute, I am providing the following details : XXXX. **Account Information** : - Account Holder : XXXX XXXX XXXX Account XXXX : XXXX XXXX. **Disputed Item** : - Date of Alleged Late Payment : [ Date of Late Payment ] XXXX. **Reason for Dispute** : - I have always made timely payments and have not missed any payments for the period in question. I kindly request that you investigate this matter and remove the incorrect late payment entry from my credit report. Additionally, please provide me with written confirmation that the error has been corrected. Please respond to my dispute within the time frame specified by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your confirmation of the correction. Thank you for your assistance. Sincerely, XXXX XXXX XXXX : copy of ssn card & identification
Frequently Asked Questions
What is Complaint #9189161 about?
Complaint #9189161 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 2024-06-05T12:00:00-05:00.
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.