Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14030228
Complaint Overview
Complaint ID: 14030228
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Tennessee
ZIP Code: 38127
Date Received: 2025-06-11T12:00:00-05:00
Date Sent to Company: 2025-06-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Against : Experian and Equifax Furnisher : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear CFPB, I am submitting this complaint due to inaccurate, unverifiable, and conflicting reporting by Experian and Equifax regarding an alleged collection account from XXXX XXXX XXXX ( Account # : XXXX * * * * ). Despite previous disputes, both bureaus continue to publish misleading data. Key Inaccuracies and FCRA Violations XXXX. Inconsistent and Unsupported Date Last Active Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These differing Date Last Active entries are not only inconsistent but also unsupported by consumer activity. This artificially re-ages the debt and misleads scoring models. FCRA 607 ( b ) : Duty of consumer reporting agencies to assure maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) : Information known or believed to be inaccurate must not be furnished. 2. Misleading Payment History Reporting ( Equifax ) Equifax shows 25 months of OK payments, even while simultaneously reporting : Account Status : Derogatory Payment Status : Late 120 Days Past Due : {$630.00} This is a direct contradiction and misrepresents the account as being paid on time while simultaneously delinquent and charged off. FCRA 623 ( a ) ( 2 ) : Duty to correct and update information. FCRA 605 ( a ) : Misleading account history violates permissible content rules. 3. Failure to Validate Account Neither Experian nor Equifax has provided validation of the debt, despite previous disputes. No documentation has been provided to support the dates, balance, or status being reported. FCRA 611 ( a ) ( 1 ) : Consumer has the right to dispute and demand deletion if not verified. FCRA 609 ( a ) ( 1 ) : Bureaus must provide the source and documentation used to verify. Enforcement Reference : Equifax {$15.00} XXXX Fine The CFPB ordered Equifax to pay {$15.00} XXXX in XXXX for : Failing to properly investigate disputes, Verifying information without documentation, And violating the FCRA and CFPA. This case reflects the same failure to ensure accuracy and transparency. Experians continued verification without correction is equally negligent. Requested Resolution : 1. Delete this account from Experian and Equifax immediately. 2. If retained, provide the following : Original creditor documentation validating the account. Payment and charge-off records supporting the status and timeline. 3. Remove misleading OK payment history from Equifax if the account remains derogatory. Thank you for your attention to this matter and for holding data furnishers accountable to the law. Respectfully, XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX
Frequently Asked Questions
What is Complaint #14030228 about?
Complaint #14030228 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-11T12:00:00-05:00.
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.