Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13420350
Complaint Overview
Complaint ID: 13420350
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30005
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am formally disputing the continued reporting of the XXXX XXXX account status with an alleged open status and a past-due balance of {$430.00}, as reflected on both my XXXX ( Report Number XXXX ) and Equifax ( Report Confirmation XXXX ) credit reports. Despite being reported as an open account, it reflects serious delinquency ( XXXX days past due ), with consistent negative payment history through 2025, but no evidence of consumer re-engagement, contract renewal, or current activity. This is a misclassification of account status and constitutes illegal re-aging, in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA XXXX ( a ) ( XXXX ), a furnisher can not continue to furnish derogatory payment data in a way that misrepresents the age or activity of a debt. If the account is functionally charged off or inactive, then maintaining it as open with monthly updates is both misleading and harmful to my credit profile. This practice artificially extends the derogatory impact of the delinquency. Additionally, the reporting of a {$430.00} past-due balance without any current contract activity or signed renewal violates FCRA XXXX ( b ), which requires maximum possible accuracy in consumer data. The bureaus and XXXX XXXX have failed to establish whether this account is in active repayment, in collections, or written off, making the tradeline materially inaccurate and unverifiable. Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), this account must be permanently deleted from my credit report unless the furnisher can provide verifiable evidence of : A valid and enforceable contract ; An accurate date of delinquency ; A clear and current payment agreement; And proof of recent consumer authorization. Additionally, I formally prohibit the use of third-party data vendors such as XXXX, XXXX, XXXX, XXXX or XXXX XXXX during this reinvestigation, as they are not original furnishers and their use violates FCRA XXXX ( a ) due to lack of consumer consent. Finally, I invoke FCRA XXXX ( a ) ( XXXX ) and request expedited deletion within XXXX ( XXXX ) business days of receiving this dispute. If not resolved immediately, I will escalate the matter to the CFPB, XXXX, and other regulatory agencies for enforcement and oversight.
Frequently Asked Questions
What is Complaint #13420350 about?
Complaint #13420350 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 2025-05-08T12:00:00-05:00.
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.