Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12701213
Complaint Overview
Complaint ID: 12701213
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: Virginia
ZIP Code: 22408
Date Received: 2025-03-27T12:00:00-05:00
Date Sent to Company: 2025-03-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Several accounts on my credit report are being inaccurately reported. My student loans are in forbearance until XX/XX/year>, but they are being reported as delinquent or in default. I have credit card accounts that were charged off, sold to collection agencies, and then paid through wage garnishment, but the original creditors are still reporting balances and monthly updates on those same accounts. In some cases, both the original creditor and collection agency are reporting the same debt. I also noticed multiple addresses on my report that are not valid or were never associated with me, which may be affecting account verification. I submitted disputes to the credit bureaus and requested full validation, but they did not correct the inaccurate information. This is causing damage to my credit and violates the FCRA.
Frequently Asked Questions
What is Complaint #12701213 about?
Complaint #12701213 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 2025-03-27T12:00:00-05:00.
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.