Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13129552
Complaint Overview
Complaint ID: 13129552
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Arizona
ZIP Code: 85233
Date Received: 2025-04-22T12:00:00-05:00
Date Sent to Company: 2025-04-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the inaccuracies found on my consumer credit report. Upon reviewing my report, I noticed several discrepancies that violate provisions set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all information in consumer reports to be accurate and complete. The reported balance due on the account listed by each reporting agency is incorrect. This inaccurate reporting misrepresents my financial obligations and impacts my creditworthiness. Dates Account Opened, the three credit reporting agencies furnishing this information are reporting different dates for the same account. This discrepancy affects my credit history, as the length of credit accounts is a crucial factor in determining my credit score. Date Last Active : Again, the dates being reported by the credit reporting agencies ( Equifax, Experian, Transunion ) do not match as they should for each specific account. Date of Last Payment : once again, the dates reported by each reporting agency are inaccurate.This misrepresentation of my payment history has adversely affected my credit score. Under Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), which prohibits the reporting of negative information after a specified period. While this relates primarily to the timing of derogatory marks, it underscores the importance of accurate reporting. Under this section, if the information is inaccurate, it must be corrected or removed, regardless of the reporting duration. Additionally, I have previously brought these issues to the attention of the credit bureaus without proper resolution or thorough investigation. This has not only caused ongoing damage to my credit profile but also violates my rights under the FCRA. According to the law, these inaccurate derogatory marks must be removed immediately upon verifying their inaccuracy. Furthermore, I wish to emphasize relevant case law, such as XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the obligation of credit reporting agencies to investigate and correct inaccuracies in consumer reports promptly. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), it is clear that consumers have the right to accurate information, and failure to correct inaccuracies can lead to further injury to the consumer 's credit profile.
Frequently Asked Questions
What is Complaint #13129552 about?
Complaint #13129552 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 2025-04-22T12:00:00-05:00.
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.