Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14343579
Complaint Overview
Complaint ID: 14343579
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: Texas
ZIP Code: 77493
Date Received: 2025-06-27T12:00:00-05:00
Date Sent to Company: 2025-06-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing inaccurate payment history being reported by DEPTEDXXXX under the Fair Credit Reporting Act ( FCRA ). Specifically, Equifax is reporting late payments for both XX/XX/year> and XX/XX/year>, including a XXXX delinquency in XX/XX/year>, while TransUnion and Experian both report the account as Current for the same time periods. This inconsistency indicates that Equifaxs data is incorrect and not in compliance with the FCRAs requirement to report accurate and verifiable information. The late payment markers for XXXX and XX/XX/year> do not appear on the other two credit bureaus, creating a reporting discrepancy that is damaging and misleading. Additionally, the account shows no past due balance and is marked as Current as of XX/XX/year> across all bureaus, further confirming the inaccuracy of the XXXX and XXXX derogatory marks. This reporting violates FCRA sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require that all information furnished to consumer reporting agencies be accurate and complete.
Frequently Asked Questions
What is Complaint #14343579 about?
Complaint #14343579 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 2025-06-27T12:00:00-05:00.
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.