Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12606524
Complaint Overview
Complaint ID: 12606524
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: Georgia
ZIP Code: 30341
Date Received: 2025-03-21T12:00:00-05:00
Date Sent to Company: 2025-03-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate information appearing on my credit report. The following accounts have been reported incorrectly, and I am requesting their immediate deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were charged off on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> However, since the charge-off, these accounts have been continuously updated as charged off every month, which inaccurately reflects an active payment history. A charged-off account should not include ongoing payment history updates, as this misrepresents the status of the account and can potentially manipulate the statute of limitations. This reporting is inaccurate and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, I believe the failure to investigate and correct this error constitutes negligence in handling my dispute. I am requesting the immediate deletion of these accounts from my credit report. Please conduct a proper investigation and provide written confirmation of the deletion. If you do not correct this inaccuracy, I am prepared to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies if necessary. Attached are copies of my credit report highlighting the errors, along with any supporting documentation. Please investigate this matter and correct my credit report promptly. I expect a written response within 30 days as required by law.
Frequently Asked Questions
What is Complaint #12606524 about?
Complaint #12606524 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 2025-03-21T12:00:00-05:00.
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.