Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13672026
Complaint Overview
Complaint ID: 13672026
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Illinois
ZIP Code: 60067
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
Consumer Financial Protection Bureau ( CFPB ) Formal Complaint Regarding : Equifax and XXXX XXXX XXXX Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone Number : XXXX Email : XXXX Entities Involved : Credit Bureau : Equifax Furnishing Party : XXXX XXXX XXXXXXXX Disputed Account : Secured Credit Card Account ending in XXXX Balance : {$440.00} Reported Status : Charge-Off with 90+ days past due Last Reported Date : XX/XX/year> Complaint Description : I am filing this formal complaint due to inaccurate and harmful information being reported by Equifax regarding my XXXX XXXX XXXX account . The account is currently listed as Charge-Off, with a negative payment history including 13 months of 90+ days past due, even though this information is unverified and does not accurately reflect my payment behavior or account resolution. This inaccurate information severely impacts my credit score, credibility, and access to financial resources. Legal Violations Identified : 1. FCRA 15 U.S.C. 1681i & 1681s-2 Equifax is legally obligated to ensure all reported information is accurate and must properly investigate any disputed information. Reporting prolonged delinquency and charge-off status without adequate documentation or confirmation violates the FCRA. Equifax continued reporting damaging data despite discrepancies and without providing me evidence of verification. 2. TILA 15 U.S.C. 1601 et seq. The Truth in Lending Act requires creditors to clearly disclose the terms of accounts and explain any adverse actions. There has been no clear or transparent communication from XXXX XXXX XXXXXXXX justifying the reported charge-off or the repayment obligations, which is misleading and lacks the transparency required by law. 3. GLBA 15 U.S.C. 68016809 The Gramm-Leach-Bliley Act requires financial institutions and credit bureaus to protect the integrity and confidentiality of consumer information. Reporting inaccurate delinquency data on my credit file demonstrates negligence in handling my private financial records.
Frequently Asked Questions
What is Complaint #13672026 about?
Complaint #13672026 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. 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.