Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13075055
Complaint Overview
Complaint ID: 13075055
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: 32778
Date Received: 2025-04-19T12:00:00-05:00
Date Sent to Company: 2025-04-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Heres whats wrong or inconsistent with this tradeline across the XXXX bureaus : Account Status Mismatch : TransUnion XXXX Experian show the account as Paid, but Equifax still marks it Derogatory. HighCredit vs. Limit Error : Experian lists High Credit as {$0.00} ( when it should be {$3700.00} ) and Equifax shows a {$0.00} credit limit ( should be {$3500.00} ). Conflicting Date Last Active & Last Payment : Equifax reports both in XXXX, yet TransUnion XXXX Experian show activity into XXXX. Last Reported Dates Dont Align : TransUnion XXXX Experian : XX/XX/year> ; Equifax XXXX XX/XX/year>. Varied Closure Comments : Each bureau uses different wording ( payment after chargeoff, settled for less than full balance, unpaid balance reported as a loss, etc. ) instead of a single, accurate description. Incomplete Payment History Display : Experian and Equifax show detailed chargeoff progression, but XXXX XXXX history is blank.
Frequently Asked Questions
What is Complaint #13075055 about?
Complaint #13075055 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 2025-04-19T12:00:00-05:00.
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.