Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12391110
Complaint Overview
Complaint ID: 12391110
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: New Jersey
ZIP Code: 08054
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to report inaccuracies and ongoing inconsistencies in the reporting of an account by XXXXXXXX XXXX XXXX XXXX across the three major credit bureausXXXX, Equifax, and XXXX. Description of What Happened Upon reviewing my credit reports from all three bureaus, I noticed that XXXXXXXX XXXX XXXX XXXXXXXX has inconsistently reported an account as follows : Initially, in XX/XX/XXXX, they reported the account to XXXX as " Charged Off / Unpaid Balance Reported as a Loss by XXXX XXXX. '' This designation clearly indicates that the debt had been written off by the creditor. Following this, I disputed the account multiple times with all three bureaus, as the reporting was inaccurate. I even sent a formal letter to XXXXXXXX XXXX XXXX XXXXXXXX requesting a Form XXXX for the cancellation of debt when the account was first reported as a loss. Despite these actions, XXXX XXXX XXXX XXXXXXXX began updating and changing the accounts type and status inconsistently between XX/XX/XXXX and XX/XX/XXXX. For example : The account was reported as " Open '' during some periods and later updated to " Closed / Collection '', conflicting with their initial designation. The account status also shifted between charge-off and collection across different bureaus, with conflicting payment history and " last activity '' dates. This pattern of inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ). The information reported is not accurate, complete, or consistent, which has caused ongoing harm to my credit profile. Additionally, given that the account was reported as a loss by the creditor in XX/XX/XXXX, I request that this account not be reinstated, re-reported, or added back to my credit report in the future under any circumstances. Requested Resolution I respectfully request the following : Deletion of the Account : All information related to this account should be permanently deleted from my credit reports across XXXX, Equifax, and XXXX due to the inaccurate and conflicting reporting. Full Investigation by the CFPB : I ask that the CFPB investigate XXXX XXXXXXXX XXXX XXXXXXXX reporting practices and compliance with FCRA. Pull My Credit Reports ( XXXXXXXX XXXXPresent ) : I request that the CFPB investigator obtain all my credit reports from XX/XX/XXXX to the present across all three bureaus to review the reporting inconsistencies and ensure proper resolution. XXXXXXXX XXXX XXXX XXXXXXXX ongoing and inconsistent reporting of this account, despite initially marking it as a loss, is both misleading and harmful. I trust the CFPB to address these issues appropriately and enforce compliance with federal regulations. Thank you for your time and attention. Please let me know if any additional information or documentation is needed to support this complaint.
Frequently Asked Questions
What is Complaint #12391110 about?
Complaint #12391110 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 2025-03-09T12:00:00-05:00.
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.