Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14090704
Complaint Overview
Complaint ID: 14090704
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 formally disputed the reporting of a charged-off account from XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX, XXXX : {$12000.00} ). The account is listed as closed and charged off, but the information reported by Equifax, Experian, and TransUnion contains multiple, serious inaccuracies and FCRA violations. Summary of FCRA Violations : 607 ( b ) : Inaccurate and inconsistent data Date of Last Activity and Date Reported are not aligned across the CRAs. Equifax reports a recent delinquency in XXXX, even though Experian indicates the accounts last activity was in XXXX strongly suggesting unlawful re-aging. Payment history and status details differ : Experian reflects a continuous charge-off Equifax shows recent 30/60/90 late payments, which contradicts charge-off status The way the account is classified ( e.g., loan type or terms ) also varies between bureaus 623 ( a ) ( 3 ) : Dispute status omitted I previously disputed this account, yet none of the CRAs show it as disputed, violating FCRA requirements to clearly reflect dispute status on all versions of the report. 611 : Failed reinvestigation The CRAs continue to report conflicting and inaccurate data on this account, which demonstrates either a lack of meaningful reinvestigation or a failure to correct known discrepancies.
Frequently Asked Questions
What is Complaint #14090704 about?
Complaint #14090704 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.