Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13671872
Complaint Overview
Complaint ID: 13671872
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 77095
Date Received: 2025-05-22T12:00:00-05:00
Date Sent to Company: 2025-05-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Equifax regarding an inaccurate and unverifiable collection account reported by a company named XXXX. The account number is XXXX and the reported balance is {$560.00}. This account shows a Date Opened of XX/XX/year>, but also lists a Last Activity Date of XX/XX/XXXX, XXXXnearly two years before the account even opened. This is a serious error that violates FCRA 607 ( b ), which requires maximum possible accuracy in credit reporting. Equifax also claims I made 100 % of payments on time, yet the account is listed as a charge-off. There is no itemized payment history, and the original creditor is not disclosed, violating FCRA 609 ( a ) ( 1 ). The account status is shown as Open while being marked as charged off, which is contradictory and misleading to creditors. I submitted a formal dispute to Equifax, but they failed to investigate and correct the account. I believe this account is inaccurate, re-aged, and unverifiable, and I am requesting CFPB to intervene and require Equifax to remove it from my credit report unless fully validated with proper documentation.
Frequently Asked Questions
What is Complaint #13671872 about?
Complaint #13671872 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-22T12:00:00-05:00.
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.