Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13564379
Complaint Overview
Complaint ID: 13564379
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: Texas
ZIP Code: 76123
Date Received: 2025-05-16T12:00:00-05:00
Date Sent to Company: 2025-05-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the following inaccurate charge-off entries reported by Equifax : XXXX ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$2700.00}, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$620.00}, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$28000.00}, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$2300.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$0.00}. These entries contain significant discrepancies, including incorrect account balances and potentially outdated information. Under 15 U.S.C. 1681e ( b ), Equifax is required to maintain maximum possible accuracy, and failing to do so violates my rights as a consumer. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Frequently Asked Questions
What is Complaint #13564379 about?
Complaint #13564379 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 2025-05-16T12:00:00-05:00.
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.