Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9313321
Complaint Overview
Complaint ID: 9313321
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: Missouri
ZIP Code: 64151
Date Received: 2024-06-20T12:00:00-05:00
Date Sent to Company: 2024-06-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
You Equifax are reporting inaccurate information to my consumer report! The accounts XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX are inaccurate and the information is incomplete. These accounts are being disputed in its entirety. I have attached my credit report showing incomplete and inaccurate payment history. For XXXX XXXX XXXX : 1. The payment history doesn't show when the account was 30 days late. What month and day was this alleged account 30 days late? 2.The payment history is showing 60 days late in XX/XX/year> first and then 90 days late in XX/XX/year>. Account does not show when the alleged account was 30 days late at all. It must be in order from XXXX and so on. Can not start at 60 days late. This account is inaccurate. This is a violation fix or Delete. 3.How was the last payment in XX/XX/year> and the payment history shows it was paid on time in XX/XX/year>?. This is a violation fix or delete. SEE DOCUMENTS ATTACHED For XXXX XXXX XXXX : 1.When was the account XXXX, 90 days late if this account is a charge off? The payment history must show all payments. 2.This account is not a debt anymore and must be removed if no late payments are shown. SEE DOCUMENTS ATTACHED You have an obligation by law pursuant 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Promptly Delete these inaccurate and incomplete accounts from my consumer report.
Frequently Asked Questions
What is Complaint #9313321 about?
Complaint #9313321 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 2024-06-20T12:00:00-05:00.
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.