Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13314076
Complaint Overview
Complaint ID: 13314076
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: Pennsylvania
ZIP Code: 19135
Date Received: 2025-05-02T12:00:00-05:00
Date Sent to Company: 2025-05-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this formal complaint against XXXX XXXX XXXX, XXXX for continuing to report inaccurate, misleading, and unverifiable information regarding a credit account appearing under the name XXXX, partial account number XXXX, which has resulted in measurable damage to my creditworthiness and personal reputation. Nature of the Complaint : 1. Inconsistent Payment History ( Violation of FCRA XXXX ( b ) and Metro 2 Standards ) XXXX has reported multiple, conflicting versions of the delinquency history for this account : One version lists 30-day lates for XX/XX/XXXX and XX/XX/XXXX Another shows 30-day lates for XXXX and XX/XX/XXXX, and a 60-day late for XX/XX/XXXX This directly violates their obligation to report accurate and consistent information and constitutes materially misleading data under XXXX U.S.C. XXXX ( b ). 2. Inflated High Balance ( Metro 2 XXXX ) The account shows a high credit balance of {$1800.00} exceeding the assigned limit of {$1500.00}, which inaccurately inflates my utilization ratio and distorts my risk profile. 3. Contradictory Past Due Balance Despite showing a payment on XX/XX/XXXX, XXXX continues to report the account as past due by {$250.00} as of XX/XX/XXXX, raising questions of misapplication or non-updated information, violating FCRA XXXX ( a ) ( 1 ) ( A ) and XXXX. 4. Selective Bureau Reporting The same creditor reports only to XXXX XXXX Equifax, but not XXXX violating uniform disclosure principles required under Metro 2 and FCRA XXXX ( b ). Legal Grounds : XXXX U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy XXXX U.S.C. XXXX ( a ) : Right to a proper reinvestigation XXXX U.S.C. XXXX ( 5 ) : Obligation to delete unverifiable information XXXX U.S.C. XXXX ( b ) : Furnisher 's duty to correct errors XXXX U.S.C. XXXX ( TILA ) : Failure to transparently report terms of obligation XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX ) : Deceptive reporting and unfair practices Relevant Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Agencies must perform manual, reasonable investigations
Frequently Asked Questions
What is Complaint #13314076 about?
Complaint #13314076 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 2025-05-02T12:00:00-05:00.
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.