Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13649161
Complaint Overview
Complaint ID: 13649161
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: New Jersey
ZIP Code: 070XX
Date Received: 2025-05-21T12:00:00-05:00
Date Sent to Company: 2025-05-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Officer, I am submitting this formal complaint regarding ongoing violations of federal consumer protection laws by the Department of Ed/ XXXX XXXX and credit reporting agencies XXXX, Equifax XXXX and XXXX XXXX related to inaccurate, incomplete, and unverifiable reporting of a student loan account on my credit file. Loan Servicer/Creditor Name : Dept of Ed/ XXXX Account Number : XXXX Appearing On Reports From : XXXX, Equifax, XXXX I have XXXX disputed this item directly with the credit bureaus. Despite this, the account remains on my credit reports without proper investigation, verification, or correction, which is a direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus must reinvestigate disputes within 30 days. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes, correct inaccurate info, and report results to all credit bureaus. 15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681c ( a ) Obsolete information ( e.g., defaults over XXXX XXXX XXXX ) must be excluded. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) If a debt is disputed, collectors must cease collection and provide verification before continuing. 15 U.S.C. 1692e ( 8 ) It is illegal for debt collectors to communicate credit information known to be false or disputed without noting it. Higher Education Act ( HEA ). If the loan is a federal student loan Federal loan servicers must provide accurate and complete reporting, and borrowers must receive all due process rights, including the right to dispute or appeal adverse actions. They inaccurately reported incorrect balance, status, dates, and ownership, and they also accessed my private information without my permission, and also improperly verified or not verified at all after I submitted a dispute. This inaccurate report caused me financial harm by lowering my credit score and limiting access to credit, housing, and employment.
Frequently Asked Questions
What is Complaint #13649161 about?
Complaint #13649161 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 2025-05-21T12:00:00-05:00.
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.