Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14206809
Complaint Overview
Complaint ID: 14206809
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: Georgia
ZIP Code: 30005
Date Received: 2025-06-20T12:00:00-05:00
Date Sent to Company: 2025-06-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am disputing the accuracy and legality of the reporting for XXXX XXXX XXXX XXXX Bank account ending in XXXX XXXXXXXX, which is being falsely reported on my Equifax credit file. This account is marked as a charge-off with a balance of {$1200.00}, which violates Metro 2 compliance standards and FCRA 623 ( a ) ( 2 ) because no IRS Form 1099-C has been issued to reflect cancellation of debt. Additionally, this account is closed, yet it continues to report monthly with an open balance and derogatory remarks, which constitutes furnishing false, outdated, or misleading data under FCRA 611 ( a ) ( 1 ) ( A ). The reporting shows re-aged delinquency data that does not match the actual date of first delinquency, and the tradeline is being used to harm my credit unlawfully. This is not a duplicate dispute newly added data and incorrect updates have appeared since my previous dispute, as shown in Equifax Credit Report Confirmation # XXXX, Date : XX/XX/year>. I also never received a full itemized breakdown of payment history, ledger, or debt validation to confirm the reported balance. I am reporting this matter to the Federal Trade Commission ( FTC ) as a violation of federal credit reporting standards. I demand immediate deletion of this account or full correction to reflect a {$0.00} balance and removal of derogatory remarks.
Frequently Asked Questions
What is Complaint #14206809 about?
Complaint #14206809 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 2025-06-20T12:00:00-05:00.
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.