Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14361527
Complaint Overview
Complaint ID: 14361527
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: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33068
Date Received: 2025-06-29T12:00:00-05:00
Date Sent to Company: 2025-06-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX\nSSN XXXX\nXXXX\nDateXXXX XXXX XXXX XXXX\n\n\nSubject: Formal Dispute of Inaccurate Account Reporting XXXX (Acct: XXXX)\nDear Equifax Dispute Department,\n\nI am writing to formally dispute inaccurate and incomplete information being reported on my credit file regarding the account listed below:\n\nCreditor Name: XXXX\nAccount Number: XXXX\nStatus: Charge-Off\nDate Opened: XXXX XXXX XXXX\nClosed: Yes\nLast Payment Date: XXXX XXXX XXXX\nReported Balance: None shown\nDate of Status Update: XXXX XXXX\nUpon reviewing my credit report dated XXXX XXXX XXXX, I have found several discrepancies in this account that violate the Fair Credit Reporting Act (FCRA), including:\n\nNo payment history is shown, making the negative status unverifiable.\nThe account reflects a charge-off without disclosing any outstanding balance or original balance, which is inaccurate and misleading.\nThere is no original creditor listed, preventing identification or validation of the debt.\nThe last payment date (XXXX XXXX XXXX) conflicts with the status update date (XXXX XXXX), which may suggest improper re-aging of the account in violation of FCRA guidelines.\nThe account is marked with a charge-off status despite XXXX monthly payments and no balance data, raising concerns of inaccurate status reporting.\nUnder the FCRA (15 U.S.C. 1681i), all items on a consumer credit report must be complete, accurate, and verifiable. As this account lacks sufficient documentation and contains conflicting or misleading information, I respectfully request that Equifax:\n\nConduct a full investigation and validation of this tradeline, OR\nDelete the account from my credit report entirely if the furnisher cannot provide complete and accurate information.\nPlease complete this investigation within the 30-day timeframe required by law. I request a written confirmation of the outcome and an updated copy of my credit report once the investigation is completed.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\nXXXX XXXX
Frequently Asked Questions
What is Complaint #14361527 about?
Complaint #14361527 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 2025-06-29T12:00:00-05:00.
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.