Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14511025
Complaint Overview
Complaint ID: 14511025
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: Massachusetts
ZIP Code: XXXXX
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
Dear CFPB, I am submitting this complaint against Equifax for failing to correct multiple inaccurate and unverifiable items on my credit report, even after formal written disputes. These include student loan accounts showing late payments during federally protected deferment or forbearance periods, a collection account that has never been validated, and a closed account improperly reporting late payments. Despite repeated disputes, Equifax continues to verify this information without providing sufficient evidence or conducting a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} All of these are federal student loans that report late payments during periods when no payments were due, due to CARES Act protections or active deferments. Reporting such accounts as delinquent is materially inaccurate and violates FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Additionally : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} This recent entry shows a late payment on a {$26.00} balance. I never received proper notice or billing for this account, and this reflects an unfair and damaging entry. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} I do not recognize this collection. I have requested validation, and none has been provided. Continuing to report this without verification violates both FCRA 1681i and FDCPA 809 ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This closed account with a XXXX balance is still showing past due information, which is misleading and violates the principles of fair credit reporting. Equifax has failed to fulfill its legal obligations by continuing to report these items without valid proof and without correcting obvious inaccuracies. I am requesting that the CFPB intervene and ensure Equifax deletes all unverifiable and inaccurate information and complies fully with the FCRA and FDCPA.
Frequently Asked Questions
What is Complaint #14511025 about?
Complaint #14511025 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.