Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13728542
Complaint Overview
Complaint ID: 13728542
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: 77025
Date Received: 2025-05-26T12:00:00-05:00
Date Sent to Company: 2025-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * XXXX XXXX XXXX XXXX * * - * * Issue * * : Inaccurate reporting ; insufficient information provided to assess specific errors. - * * XXXX XXXX Codes * * : - Compliance Condition Code : XXXX ( Disputed under FCRA ). - * * Details * * : The information reported for this account is incomplete or inaccurate, but specific details are unclear due to lack of transparency in reporting. Per FCRA and CFPB guidance, Experian must verify all data points with the furnisher and provide clear evidence of accuracy. - * * Requested Action * * : Verify all reported data ( Account Status, Payment History, Balance ) with XXXX XXXX XXXX XXXX. Update or delete inaccurate information and provide investigation results. * * Additional Requests * * : - Process these disputes via the e-OSCAR system using the provided Metro 2 codes to ensure accurate communication with data furnishers. - Provide a detailed response, including furnisher verification, investigation steps, and updated credit report, as required by FCRA Section 611 ( a ) ( 6 ). - If Experian fails to conduct a reasonable investigation, I will escalate this matter to the CFPB, referencing their ongoing scrutiny of your dispute practices. * * XXXX * * - * * Issue * * : Inaccurate reporting ; insufficient information provided to assess specific errors. - * * Metro 2 Codes * * : - Compliance Condition Code : XA ( Disputed under FCRA ). - * * Details * * : The information reported for this account is incomplete or inaccurate, but specific details are unclear due to lack of transparency in reporting. Per FCRA and CFPB guidance, Experian must verify all data points with the furnisher and provide clear evidence of accuracy. - * * Requested Action * * : Verify all reported data ( Account Status, Payment History, Balance ) with XXXX XXXX XXXX XXXX. Update or delete inaccurate information and provide investigation results. * * Additional Requests * * : - Process these disputes via the e-OSCAR system using the provided Metro 2 codes to ensure accurate communication with data furnishers. - Provide a detailed response, including furnisher verification, investigation steps, and updated credit report, as required by FCRA Section 611 ( a ) ( 6 ). - If Experian fails to conduct a reasonable investigation, I will escalate this matter to the CFPB, referencing their ongoing scrutiny of your dispute practices.
Frequently Asked Questions
What is Complaint #13728542 about?
Complaint #13728542 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 2025-05-26T12:00:00-05:00.
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.