Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13475194
Complaint Overview
Complaint ID: 13475194
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: South Carolina
ZIP Code: 29607
Date Received: 2025-05-12T12:00:00-05:00
Date Sent to Company: 2025-05-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Unsecured Installment Loan Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Charge-Off / Collection Reporting Bureaus : TransUnion, Experian, Equifax The following reporting issues violate the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent High Credit Limit : TransUnion and Experian report a high credit of {$2000.00}, while Equifax reports {$2000.00}. 2. Missing Date of Last Payment : TransUnion and Experian fail to provide a last payment date, while Equifax shows XX/XX/XXXX. This omission is material and affects how long the account can legally be reported. 3. Conflicting Payment History : TransUnion has no payment history. Experian shows over 20 months of consecutive charge-off ( CO ) marks, which is excessive. Equifax shows all OK payments until a sudden XXXX delinquency highly inconsistent with other reports. 4. Incorrect Use of Credit Limit Field : All three bureaus list a {$0.00} credit limit, which is incorrect and not applicable to an installment loan. These discrepancies are significant and are causing unnecessary and unfair damage to my credit report. Under the FCRA ( 15 U.S. Code 1681i ), I am formally requesting a full investigation into this account. If the data can no t be verified and corrected in full, I request complete deletion of the account from all three credit bureaus. Please complete the investigation within the 30-day period allowed by law and provide a written response confirming the outcome. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13475194 about?
Complaint #13475194 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 2025-05-12T12:00:00-05:00.
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.