Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12929539
Complaint Overview
Complaint ID: 12929539
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: Texas
ZIP Code: 78666
Date Received: 2025-04-10T12:00:00-05:00
Date Sent to Company: 2025-04-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing this complaint against Experian Information Services LLC, with relevant details also applying to Equifax and TransUnion, due to the continued reporting of materially inaccurate, misleading, and unverifiable credit information. The issues include misclassified tradelines, improper derogatory updates post-account closure, failure to account for military service obligations, unresolved disputes, and reporting of outdated or incorrect personal identifying information. These issues collectively violate provisions of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, the Servicemembers Civil Relief Act ( SCRA ), and the Texas Business & Commerce Code 20.0620.12. XXXX / XXXX XXXX : This account was closed on XX/XX/XXXX. However, Experian and the other CRAs continue to update the tradeline monthly with Charge-Off status entries well into 2025. This creates a false impression of current delinquency and violates FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and 1681i ( a ) ( 7 ), as well as CFPB Bulletin 2014-01. Metro 2 reporting guidelines prohibit post-closure charge-off updates. The furnisher, XXXX Bank, has a documented history of CFPB enforcement actions, including a {$3.00} XXXX penalty for inaccurate and deceptive reporting. This account should be permanently deleted and suppressed. XXXX XXXXXXXX ( XXXX Account ) : This account is marked as potentially negative despite no current derogatory activity visible. I was on active duty in the U.S. Army at the time of the reported delinquency, specifically undergoing Basic Combat Training at Fort Jackson, South Carolina. During this period, I had no access to communication or financial tools. I brought the account current immediately upon graduation. Under the Servicemembers Civil Relief Act ( SCRA ), FCRA 1681e ( b ), and the Equal Credit Opportunity Act ( ECOA ), I respectfully request that this account be recoded or suppressed in recognition of military service-related hardship. XXXX XXXX : This account reflects a 30-day delinquency from XX/XX/XXXX, which was previously disputed. No documentation or Method of Verification was ever provided, as required under FCRA 1681i ( a ) ( 7 ). I request either verified documentation or removal of this entry. Personal Information : My credit file contains multiple conflicting names ( e.g., XXXX XXXX, XXXX XXXX XXXX ), outdated military and civilian addresses, and inaccurate employment records ( e.g., " XXXX XXXX XXXX '' ). These errors create risk of identity confusion and violate XXXX XXXX ( b ) and Texas Business & Commerce Code 20.06. I request suppression or correction of all inaccurate or outdated identifiers. Unauthorized or Improper Inquiries : My report includes several hard inquiries that may lack a permissible purpose under FCRA 604 ( a ), including entries from XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX. I request these be removed unless verifiable authorization and purpose are provided. I am a 100 % permanently and XXXX XXXX XXXX, and I am officially designated as homebound. I am trying my best to raise my small family on my fixed income from the VA. I have limited ability to advocate for myself physically or in person. I am not seeking confrontation, but resolution. These errors are obstructing my ability to access credit, stable housing, and programs such as USDA-backed rural housing initiatives. I am requesting lawful, fair corrections across all reporting agencies in accordance with the federal statutes cited above.
Frequently Asked Questions
What is Complaint #12929539 about?
Complaint #12929539 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 2025-04-10T12:00:00-05:00.
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.