Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12792345
Complaint Overview
Complaint ID: 12792345
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: Florida
ZIP Code: 33311
Date Received: 2025-04-02T12:00:00-05:00
Date Sent to Company: 2025-04-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the accuracy and validity of the XXXX XXXX account reporting on my credit file. The information being reported is inconsistent, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ). Account Details in Dispute Creditor Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Status : Charged Off / Repossession Language Reporting Bureaus : TransUnion , Experian Violations of the FCRA FCRA 607 ( b ) : Maximum Possible Accuracy The account is being reported with inconsistent date opened, date last active, and date of last payment between TransUnion and Experian. The account status includes contradictory terms such as charged off, transferred to recovery, merchandise taken back, and balance due. If the merchandise ( vehicle ) was repossessed, then the balance should reflect sale proceeds, not the full original balance. FCRA 611 ( a ) ( 1 ) ( A ) : Right to Dispute and Reinvestigation Requirement I am formally disputing the accuracy of this account. Unless XXXX XXXX can provide original signed contracts, payment history, and proof of repossession and deficiency balance, this information must be deleted. FCRA 623 ( a ) ( 1 ) ( A ) : Reporting Information Known to Be Inaccurate The language being used in the comments is ambiguous, misleading, and damaging, with no proof of current balance ownership, whether its still with XXXX XXXX or a third-party collector. FCRA 623 ( a ) ( 5 ) : Failure to Accurately Report the Date of First Delinquency ( DOFD ) This account is missing a clearly defined DOFD, which could result in illegal re-aging of the debt and extended derogatory reporting.
Frequently Asked Questions
What is Complaint #12792345 about?
Complaint #12792345 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 2025-04-02T12:00:00-05:00.
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.