Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11508303
Complaint Overview
Complaint ID: 11508303
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: Georgia
ZIP Code: 30305
Date Received: 2025-01-13T12:00:00-05:00
Date Sent to Company: 2025-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the inaccurate reporting of the XXXX XXXXXXXX XXXX XXXX account on my Equifax credit report, which was last reported on XX/XX/year>. This account has already been investigated, but the information remains inconsistent with both XXXX XXXX compliance standards and my rights under the Fair Credit Reporting Act ( FCRA ). Basis for Dispute : XXXX. Inaccurate Payment and Closure Dates : XXXX confirms this account as " Paid, Closed '' in XX/XX/year>. However, Equifax lists the account with a last payment on XX/XX/year>, and still reports it as " Closed '' but retains conflicting historical data. This inconsistency violates FCRA 623 ( a ) ( 1 ), which requires furnisher to report accurate information. XXXX. Prior Investigation Results : This account was previously disputed, but Equifax failed to correct or delete the information despite the apparent inaccuracies. As per FCRA 611 ( a ), I have the right to a reinvestigation when the initial outcome does not resolve the issue. XXXX. XXXX XXXX Compliance Violations : Reporting the account with conflicting data regarding payment history and closure violates XXXX XXXX guidelines, which require uniform and accurate reporting across all bureaus.
Frequently Asked Questions
What is Complaint #11508303 about?
Complaint #11508303 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 2025-01-13T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.