Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14510501
Complaint Overview
Complaint ID: 14510501
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: California
ZIP Code: 90018
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint against Equifax for reporting inaccurate and damaging information on my credit file in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and related consumer protection laws I have disputed these accounts directly with Equifax but they have failed to take corrective action or conduct a meaningful investigation as required under FCRA 1681i I request CFPB intervention and enforcement to protect my rights and force immediate correction or deletion of the following accounts XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account is being falsely reported as a charge-off even though I was never given prior written notice or a chance to dispute or validate the debt before it was reported to the credit bureaus This is a violation of FCRA 1681s-2 ( b ) which mandates a reasonable investigation upon notice of dispute Additionally this account was charged-off very shortly after being opened which indicates failure to follow due process and may point to reporting fraud or error Story : I never received any proper billing statements or notifications about this account being past due before it was reported as a charge-off I tried to contact the creditor to request validation but was met with no response I believe the reporting is incorrect and harmful and it is damaging my ability to secure housing employment and affordable credit options XXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is inaccurately being reported with a late payment which never occurred I have records proving that my payments were made on time and I never missed any scheduled payment dates This reporting violates FCRA 1681e ( b ) which requires the credit bureau to ensure maximum possible accuracy The late payment is false and misleading and is having a negative effect on my credit profile Story : I used auto-pay for this account and monitored the payment schedule carefully I was never notified of any payment being missed nor did I see any alerts or communications about delinquency This appears to be an internal error on the part of the data furnisher or Equifax and it continues to impact my credit score and ability to obtain fair financing terms I am requesting that CFPB hold Equifax accountable for its failure to comply with federal law and force the agency to either correct or delete these accounts immediately I also request a full investigation into how such inaccurate data was allowed to remain on my credit file despite being disputed Thank you for your attention to this matter
Frequently Asked Questions
What is Complaint #14510501 about?
Complaint #14510501 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 2025-07-07T12:00:00-05:00.
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.