Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14408697
Complaint Overview
Complaint ID: 14408697
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: Michigan
ZIP Code: 48223
Date Received: 2025-07-01T12:00:00-05:00
Date Sent to Company: 2025-07-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am filing this formal complaint against Equifax for reporting inaccurate and unverified accounts on my credit report which I fully dispute. Despite my rights under federal consumer protection laws, Equifax has failed to fulfill their legal obligations to ensure maximum possible accuracy and conduct proper reinvestigation. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2025 Balance : {$650.00} Late Payment * * This account is inaccurately reporting late payments. I have not received any documentation or billing history validating this alleged debt. Equifax failed to ensure the accuracy of this information and did not provide proper investigation after my dispute. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( failure to reinvestigate ), 1681e ( b ) ( failure to maintain accurate records ), and 1681s-2 ( b ) ( furnisher obligations after dispute ). XXXX. ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2025 Balance : {$840.00} Collection * * I dispute this collection account as it is being reported without proper validation. I was not notified about this debt, nor was I given the chance to verify or dispute it before it was added to my credit report. Equifax failed to ensure the debt collector complied with 15 U.S.C. 1692g of the FDCPA and 15 U.S.C. 1681e ( b ), 1681i of the FCRA. No proper reinvestigation was performed, and my rights were ignored. My Story : I have taken steps to dispute these accounts directly with Equifax, requesting that they conduct a lawful reinvestigation and validate the debts in accordance with federal law. However, Equifax has continued to report these accounts without verifying them with credible documentation. As a result, I am suffering harm to my credit reputation and financial opportunities. This is a clear violation of my consumer rights. I respectfully request the Consumer Financial Protection Bureau to take immediate action and require Equifax to remove these inaccurate and unverifiable accounts from my credit file. Equifax must be held accountable for their failure to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Frequently Asked Questions
What is Complaint #14408697 about?
Complaint #14408697 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 2025-07-01T12:00:00-05:00.
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.