Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13352220
Complaint Overview
Complaint ID: 13352220
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: Rhode Island
ZIP Code: 02905
Date Received: 2025-05-05T12:00:00-05:00
Date Sent to Company: 2025-05-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Equifax for continuing to report inaccurate and misleading information regarding a closed account from XXXX XXXX Bank XXXX. despite clear inconsistencies, factual errors, and violations of federal credit reporting laws. I have submitted a formal dispute directly to Equifax and provided documentation highlighting the following serious violations : Legal Violations Involved : 1. FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. 2. FCRA 1681c : Inaccurate Date of Last Activity affecting the 7-year reporting timeline. 3. FCRA 1681i ( a ) ( 1 ) ( A ) & 1681i ( a ) ( 5 ) ( A ) : Failure to properly reinvestigate disputed information. 4. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information ( e.g., wrong status and balance ). 5. FCRA 607 ( b ) : Reporting a conflicting payment status ( 120 Days Late and XXXX simultaneously ). 6. FACTA 312 / 12 CFR 1022.42 : Failure to correct systemic reporting errors. 7. Dodd-Frank Act UDAAP ( 12 U.S.C. 5531, 5536 ) : Unfair and deceptive practice by continuing to report harmful, unverifiable, and contradictory data. Supporting Facts : Equifax reports this account as Open, while Experian reports it as Closed. The Date of Last Activity is inconsistent across bureaus ( 08/01/2023 vs. 03/01/2024 ). Equifax reports both 120 Days Late and Collection Account, violating Metro 2 coding standards. The balance of {$3100.00} is still being reported, although the account has been charged off and referred to collections. Equifax has failed to provide any verification or correction despite the dispute.
Frequently Asked Questions
What is Complaint #13352220 about?
Complaint #13352220 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 2025-05-05T12:00:00-05:00.
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.