Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12987501
Complaint Overview
Complaint ID: 12987501
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 951XX
Date Received: 2025-04-14T12:00:00-05:00
Date Sent to Company: 2025-04-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding the inaccurate reporting and unresolved dispute of a XXXX XXXX credit card, account number XXXX, opened on XX/XX/XXXX, and now showing a {$0.00} balance. There are multiple, ongoing issues with this account : Inconsistent late payment reporting across credit bureaus : XXXX bureau is showing XXXX late payments, while my XXXX report only shows XXXX. This inconsistency directly affects my credit score and is misleading to lenders. Conflicting account statuses across the XXXX credit bureaus : XXXX XXXX reports this account as a charge-off. Another states it was paid in full. Another lists it as closed by the grantor. The account was previously disputed and no proper resolution was provided. The disputed remark remains, but the entry has not been corrected or removed. Unresolved and unauthorized inquiry : A hard inquiry from XXXX XXXX dated XX/XX/XXXX still appears on my credit file. I previously disputed this inquiry and requested proof that I authorized it. To date, no documentation has been provided, and the inquiry has not been removed. These actions represent a failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information to credit reporting agencies.
Frequently Asked Questions
What is Complaint #12987501 about?
Complaint #12987501 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-14T12:00:00-05:00.
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.