Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14090560
Complaint Overview
Complaint ID: 14090560
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: Was not notified of investigation status or results
State: Missouri
ZIP Code: 64131
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a formal dispute with all three credit bureaus regarding a closed account from XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ). The reporting of this account is materially inaccurate and non-uniform across Equifax, Experian, and TransUnion, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). Summary of FCRA Violations : 607 ( b ) : Inaccuracy and inconsistency across CRAs Equifax shows a " last updated '' date of XX/XX/XXXX, which is inconsistent with closure and final payment status. This raises concerns of unlawful re-aging. TransUnion and Experian last reported the account in XXXX, suggesting it was closed years earlier. Experian also reports a 30-day late mark, while Equifax and TransUnion show the account as current or paid as agreed, creating further material conflicts. 623 ( a ) ( 3 ) : Failure to reflect a dispute The account does not reflect any dispute notation on any of the reports, despite my prior disputes a clear violation if the account was challenged and not marked accordingly. 611 : Inadequate reinvestigation The ongoing inconsistencies in delinquency status, dates, and reporting history suggest that no proper reinvestigation has taken place.
Frequently Asked Questions
What is Complaint #14090560 about?
Complaint #14090560 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 2025-06-15T12:00:00-05:00.
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.