Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13828225
Complaint Overview
Complaint ID: 13828225
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: Pennsylvania
ZIP Code: 17109
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because XXXX XXXX XXXX ( XXXX ) is reporting the same {$680.00} debt multiple times on my credit report under slightly different account numbers and names. These entries all stem from an alleged debt with XXXX XXXX XXXX.. Specifically, the same debt is appearing under the names : XX/XX/XXXX XX/XX/XXXX All entries have the same balance of {$680.00}, same opening date ( XX/XX/XXXX ), and reflect the same original creditor. However, they differ in reporting details like " last activity '' dates and account numbers, which makes them appear as separate accounts and inflates my total debt burden. This constitutes duplicate reporting, which is : Misleading to creditors Negatively affects my credit score In violation of FCRA 623 ( Duty to Report Accurate Information ) Inconsistent with Metro 2 guidelines for credit reporting Additionally : One account shows the status as both " Open '' and " Charged-Off '' this is contradictory. Another shows 100 % on-time payment history despite being a collection account. The accounts show conflicting " last activity '' dates ( XXXX, XXXX, XXXX ), which may indicate illegal re-aging under FCRA 605 ( c ). I sent formal dispute letters to the credit reporting agencies requesting removal of these inaccurate and duplicate tradelines. The credit bureaus failed to resolve the issue and did not correct or delete the accounts as required by FCRA 611. I am requesting that the CFPB investigate this matter and compel : The deletion of the duplicate and inaccurate entries from my credit file A full audit of XXXX XXXX XXXX reporting practices A written response outlining corrective action taken
Frequently Asked Questions
What is Complaint #13828225 about?
Complaint #13828225 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 2025-05-31T12:00:00-05:00.
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.