Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13271920
Complaint Overview
Complaint ID: 13271920
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: Missouri
ZIP Code: 641XX
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this formal complaint against XXXX XXXX XXXX for inaccurate and misleading reporting of a paid charge-off account, in violation of the Fair Credit Reporting Act ( FCRA ), and for failure by the credit reporting agencies ( XXXX Equifax, and XXXX ) to ensure accuracy and completeness of my consumer credit data as required under 1681e ( b ). The account in question is listed as XXXX XXXX XXXX. According to my credit reports, the following inconsistencies and inaccuracies are present : The first delinquency is reported as XX/XX/XXXX, yet the payment history shows charge-offs repeatedly reported for XX/XX/XXXX through XX/XX/XXXX, with no history of payments or delinquencies between those dates. Also date closed is different on each agency reporting this account. This creates confusion and raises concerns about account re-aging or improper reporting. The credit reports list XXXX different amounts : a high balance of {$500.00}, a credit limit of {$180.00}, and a charge-off amount of {$170.00}. There is no explanation or breakdown as to how these amounts are calculated or reconciled, which contradicts the requirement for fair and transparent reporting. Most importantly, the charge-off amount of {$170.00} was paid in full, yet this is not reflected accurately on my credit reports. It continues to show as a charge-off without any indication that the debt has been resolved. I have disputed this matter multiple times directly with XXXX, Equifax, and XXXX. Each bureau has provided a vague and non-substantive explanation, stating that the date is implied in the payment status history, which does not resolve the core inaccuracies outlined above.
Frequently Asked Questions
What is Complaint #13271920 about?
Complaint #13271920 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 2025-04-30T12:00:00-05:00.
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.