Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12910120
Complaint Overview
Complaint ID: 12910120
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: New Jersey
ZIP Code: 08822
Date Received: 2025-04-09T12:00:00-05:00
Date Sent to Company: 2025-04-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Equifax, I am reaching out regarding an account listed on my credit report, which was marked as a repossession and charged off by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my report, I have noticed that this account is still being updated every month as " charged off, '' but it also reflects an active payment history. This is inconsistent with how a charged-off account should be reported, as no payments should be shown on a charged-off account. According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. A repossession charge-off should not include an active payment history if the account was indeed charged off. Additionally, under 15 U.S.C. 1681i of the FCRA, I am entitled to dispute any information on my credit report that I believe to be inaccurate, and the creditor is required to verify and correct any discrepancies. I have previously contacted XXXX XXXX about this issue, but they only verified the account without providing adequate proof of the payment history or addressing the reporting errors. Given the inaccuracies in reporting, I kindly request that you remove this account from my credit report in accordance with the FCRAs guidelines for correct and accurate credit reporting. The continued presence of this incorrect information is damaging my creditworthiness, and I would appreciate your prompt attention to this matter. Thank you for your time and assistance. I look forward to your response and the swift resolution of this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Frequently Asked Questions
What is Complaint #12910120 about?
Complaint #12910120 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 2025-04-09T12:00:00-05:00.
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.