Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13580182
Complaint Overview
Complaint ID: 13580182
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: Nebraska
ZIP Code: 68130
Date Received: 2025-05-18T12:00:00-05:00
Date Sent to Company: 2025-05-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a XXXX XXXX XXXX card that was converted to a XXXX XXXX XXXX card. After it converted, the XXXX XXXX XXXX card continued to show a balance but as closed. I filed a dispute with equifax, the only one reporting this wrong, and they instead reopening the item on the credit report despite the fact I made it clear that one account was converted and is no longer active or holding a balance. Nobody will help me at XXXX XXXX or at equifax. Account XXXX was converted to account XXXX after the XXXX XXXX XXXX card was discontinued, reviewing the attached credit reports you can see the same limits, the same opening date, anyone with a brain at the credit bureau should be able to fix this but all I can get are people overseas that are not americans to answer the phone.I am also including my credit card statements, in XXXX of XXXX account XXXX no longer was active, and in XX/XX/year>XXXX account XXXX was the new account number. These statements reflect this one account, being reported twice. I had opened another CFPB complaint, but because this was a store card, that converted to a regular retail card, i think this is why this is not being handled right. After my first complaint, they updated the XXXX XXXX XXXX listing on my report and now shows as closed, but the original account that converted still shows open, with a half utilized limit which is false information, with a monthly payment of {$100.00}. this account does not exist. i want this entire thing deleted and XXXX XXXX should be held accountable. I am including the update i got from them ( XXXX XXXX ) that the XXXX account was closed and updated, but they left the largest issue of the ghost account that no longer exists ending in XXXX.
Frequently Asked Questions
What is Complaint #13580182 about?
Complaint #13580182 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 2025-05-18T12:00:00-05:00.
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.