Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14008427
Complaint Overview
Complaint ID: 14008427
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: Florida
ZIP Code: 32277
Date Received: 2025-06-10T12:00:00-05:00
Date Sent to Company: 2025-06-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a closed installment account with XXXX XXXX XXXX ( also known as XXXX ) that is being reported by Equifax. The account shows a {$0.00} balance and has been closed since XX/XX/year>, yet it continues to reflect XXXX missed payments, negatively impacting my credit score. I submitted a dispute to Equifax requesting a reinvestigation and verification of the reported missed payments, but I received no meaningful validation of the derogatory history. There has been no documentation provided to support the late payments, and under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information. Given the account is paid, closed, and has a {$0.00} balance, the negative payment history should not remain without full validation. Its continued presence is causing me harm by lowering my credit score and affecting my ability to qualify for financial products. Equifax has failed to show proper verification despite being given a reasonable amount of time under FCRA guidelines.
Frequently Asked Questions
What is Complaint #14008427 about?
Complaint #14008427 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 2025-06-10T12:00:00-05:00.
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.