Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14138043
Complaint Overview
Complaint ID: 14138043
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Florida
ZIP Code: 32571
Date Received: 2025-06-17T12:00:00-05:00
Date Sent to Company: 2025-06-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax is continuing to report a derogatory account from XXXX XXXX XXXX XXXX that is over 7 years and 3 months old, despite my prior dispute. Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 5 ), negative information such as late payments must be removed after 7 years from the date of first delinquency. This account is well beyond that threshold and still reflects 7 late payments, though no dates are disclosed to justify continued reporting. The lack of transparency and failure to delete obsolete data constitutes a violation of the FCRA. I am requesting the immediate removal of this tradeline and an internal investigation into Equifaxs failure to comply with federal law.
Frequently Asked Questions
What is Complaint #14138043 about?
Complaint #14138043 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 2025-06-17T12:00:00-05:00.
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.