Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14320509
Complaint Overview
Complaint ID: 14320509
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 19082
Date Received: 2025-06-26T12:00:00-05:00
Date Sent to Company: 2025-06-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX is reporting a closed revolving credit account ( Account # : XXXX ) with multiple late payments ( XXXX and XXXX days past due ) during the year XXXX. However, these negative entries appear to have been added while the account was in dispute and may have been reported without verifying their accuracy. The payment history reflects delinquencies from XXXX through XX/XX/XXXX, despite the fact that : The account was marked as disputed during this period, Comments from the bureaus show the dispute was resolved, yet the negative marks remain, The account is now closed and shows Pays account as agreed or Paid or paying as agreed. This is damaging my credit unfairly, especially since no new late payments have occurred since early XXXX, and the account is in good standing. I believe this is a potential violation of the Fair Credit Reporting Act ( FCRA ), which requires that data furnished be accurate and not misleading, particularly under FCRA 1681e ( b ), 1681s-2 ( a ), and 1681i.
Frequently Asked Questions
What is Complaint #14320509 about?
Complaint #14320509 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-26T12:00:00-05:00.
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.