Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9995254
Complaint Overview
Complaint ID: 9995254
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33068
Date Received: 2024-09-02T12:00:00-05:00
Date Sent to Company: 2024-09-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX Account # XXXX I hope this letter finds you well. I am writing to respectfully request a XXXX adjustment to my credit report concerning a few late payments on my account XXXX, which has been paid off and closed. I have been a valued customer of XXXX for XXXX years and have always aimed to maintain a strong payment history. Unfortunately, due to financial hardship, I experienced temporary difficulties which led to the late payments on this account. Since then, I have made every effort to rectify the situation and ensure that all my financial obligations are met in a timely manner. I am pleased to confirm that this account is now fully paid and closed, and I have taken steps to avoid similar issues in the future. Given my overall positive payment history and the fact that the account is now settled, I kindly request that you consider removing the late payment records from my credit file as a gesture of XXXX. I believe this adjustment will better reflect my commitment to responsible credit management.
Frequently Asked Questions
What is Complaint #9995254 about?
Complaint #9995254 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-09-02T12:00:00-05:00.
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.