Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12657955
Complaint Overview
Complaint ID: 12657955
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Nebraska
ZIP Code: 684XX
Date Received: 2025-03-25T12:00:00-05:00
Date Sent to Company: 2025-03-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX account ( Account Number : XXXX ) on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and correction of the inaccurate information. The following details of the XXXX account in question are incorrect and need to be verified or removed from my credit report : Balance : The reported balance of {$1100.00} is inconsistent with a charged-off account status. Credit Limit : The reported credit limit is {$2000.00}, with a high credit limit of {$1300.00}, which appears inconsistent. Available Credit : The reported available credit of {$820.00} on a charged-off account is inaccurate. Dates of Activity : The date reported ( XX/XX/XXXX ) appears to be a future date, which is an error. Date of Last Activity : No date of last activity is listed, which is necessary for accurate reporting. Date of First Delinquency : XX/XX/XXXX, but account is listed as closed on XX/XX/XXXX, which is contradictory. Past Due Amount : The reported past due amount of {$1100.00} does not align with a charged-off account status. This inaccurate reporting is negatively impacting my creditworthiness and causing financial hardship. As per the FCRA, I request that Equifax provide verification of this information or remove the inaccurate data from my credit file. Please conduct an investigation and provide a written response within 30 days of receiving this letter, as required by law. Enclosed, I have attached a copy of my credit report with the inaccurate information highlighted, as well as any supporting documentation relevant to this dispute. If Equifax is unable to verify the accuracy of this information, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections made. Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue. Should you require any further information, please do not hesitate to contact me at the information provided above. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12657955 about?
Complaint #12657955 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 2025-03-25T12:00:00-05:00.
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.