Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828206
Complaint Overview
Complaint ID: 13828206
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: North Carolina
ZIP Code: XXXXX
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hi, I am submitting this complaint to formally dispute multiple charge-off accounts being inaccurately reported on my Equifax credit report dated XX/XX/XXXX ( Confirmation # XXXX ). These accounts are significantly affecting my creditworthiness, and I believe they either contain errors, are unverifiable, or were not handled according to Fair Credit Reporting Act ( FCRA ) guidelines. The following accounts are being reported as charge-offs, and I request the CFPB 's assistance in investigating and resolving the issues listed below : SYNCB/CARE CREDIT Account ending in * XXXX Reported Charge-Off : {$960.00} Dispute Reason : Account status and balance are incorrect ; payments made were not properly credited. XXXX XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$440.00} Dispute Reason : Discrepancies in reporting ; disputed with Equifax but remains unresolved XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$5100.00} Dispute Reason : Account was under review for hardship arrangement not reflected in the report. XXXX, XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$240.00} Dispute Reason : Balance and delinquency reporting are inaccurate ; account should not have been charged off. XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$360.00} Dispute Reason : The account was in dispute and improperly charged off. XXXX XXXX Account ending in XXXX XXXX Reported Charge-Off : {$3100.00} Dispute Reason : No final notice received ; charged off prematurely and reporting is inconsistent. XXXX XXXX XXXX XXXX Account ending in * XXXX Reported Charge-Off : {$490.00} Dispute Reason : Was closed at consumers request, but marked as charge-off inaccurately. XXXX XXXX XXXX Account ending in * XXXX Reported Charge-Off : {$10000.00} Dispute Reason : Account was settled/sold ; status should reflect paid or transferred, not charged off. Despite previous attempts to resolve these issues directly with the credit bureau and/or creditors, the reporting remains inaccurate and damaging. I respectfully request the CFPB 's help in : Investigating these creditors for improper or incomplete reporting, ensuring that verified corrections or deletions are made, and enforcing the FCRA requirements regarding accuracy, completeness, and proper response to disputes. Please find enclosed a copy of my credit report highlighting the disputed accounts. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13828206 about?
Complaint #13828206 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 2025-05-31T12:00:00-05:00.
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.