Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13856093
Complaint Overview
Complaint ID: 13856093
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Washington
ZIP Code: 98105
Date Received: 2025-06-02T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding inaccurate credit reporting for my XXXX account, issued by XXXX XXXX Bank. I originally opened this account in XXXX under my former legal name. However, on all three major credit reports XXXX XXXX, Equifax, and XXXX ), the payment history for this account only dates back to XXXX. This is incorrect and omits several years of on-time payment history, which materially impacts my credit profile. All of my other credit accountsincluding those opened in XXXX and earliershow full and continuous payment history from the opening date to the present. There is no valid reason this account should be treated differently unless the creditor failed to furnish accurate data. On XX/XX/XXXX, at XXXXXXXX XXXX, I contacted XXXX XXXX Bank to dispute the incomplete payment history associated with my XXXX account. I initially spoke with a representative named XXXX, who transferred me to another representative named XXXX. During our conversation, XXXX incorrectly asserted that credit reports " only go back a few years '' and claimed the bank has no control over how the data is presented. He further insisted that all relevant data had already been reported, which directly contradicts the records shown on my credit reports. XXXX did not offer any resolution, refused to escalate the matter, and dismissed my concerns, despite clear evidence that other credit accounts from the same time period report full payment histories accurately.
Frequently Asked Questions
What is Complaint #13856093 about?
Complaint #13856093 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 2025-06-02T12:00:00-05:00.
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.