Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14455829
Complaint Overview
Complaint ID: 14455829
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: Illinois
ZIP Code: 600XX
Date Received: 2025-07-03T12:00:00-05:00
Date Sent to Company: 2025-07-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am disputing a {$4300.00} collection account reported by XXXX XXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX ) and verified by Equifax on XX/XX/year>. I previously submitted a dispute to Equifax on XX/XX/year>, including documentation proving the debt is inaccurate due to military relocation. My husband is XXXX XXXXXXXX and received official orders requiring us to relocate. I gave the apartment verbal notice in XXXX, returned keys on XX/XX/year> ( with photo documentation ), and provided his XXXX as proof of XXXX XXXX. Despite this, the apartment sent the remaining lease balance to collections without providing an itemized breakdown or proper notice. Equifax marked the debt as verified without explaining their method of verification. I requested details about their investigation and how the debt was verified but received no real answeronly that the balance was updated. This violates the Fair Credit Reporting Act and ignores protections under the Servicemembers Civil Relief Act ( SCRA ). Im asking the CFPB to : Investigate how this debt was verified Hold Equifax accountable for failure to respond with verification details Remove this inaccurate and unfair debt from my credit report I have proof of key return, photos of the apartment, military orders, and evidence that the apartment knowingly ignored military relocation protections. I recently discovered that XXXX XXXX XXXX included a copy of a lease addendum in a XX/XX/year> email rejecting my XXXX XXXX. This document appears to show that I agreed to Choice 1 a fixed early termination fee of {$3300.00} with initials beside the selection. However, I never initialed this document, nor did I agree to Choice 1. The initials next to the selection are not mine. My only signature is at the bottom of the form, which is standard for the lease. I was never presented this form in person, and I was not made aware of its contents until reviewing that email more closely just recently. This document appears to have been used to justify sending me to collections for a balance of {$4300.00} a figure that exceeds the stated {$3300.00} early termination fee and was submitted to Equifax through XXXX XXXX XXXX. This raises serious concerns about misrepresentation and the use of potentially unauthorized documents to report a collection. I am requesting a full investigation and immediate removal of this account from my credit report.
Frequently Asked Questions
What is Complaint #14455829 about?
Complaint #14455829 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 2025-07-03T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.