Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14511693
Complaint Overview
Complaint ID: 14511693
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: Pennsylvania
ZIP Code: 190XX
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
My name is XXXX XXXX XXXX, and I am writing this dispute on my own behalf. I am writing to formally dispute certain information appearing on my Experian credit report that is inaccurate, outdated, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing : Charge-off accounts that have been fully paid and settled, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, a collection account that was previously removed after a successful dispute is now improperly reappearing : XXXX XXXX XXXX. Despite these settlements, they are still being reported as derogatory, unpaid, or delinquent. This is inaccurate and misleading and violates the FCRA, which mandates that credit information be complete and up to date. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. FCRA 611 [ 15 U.S.C. 1681i ], consumers have the right to dispute inaccurate or incomplete information, and CRAs must conduct a reasonable reinvestigation. Since these charge-offs have been satisfied, they should no longer reflect as unpaid or negative. I am requesting immediate correction or removal of these accounts, or an update to accurately reflect the current status as Paid in Full '', Settled or removed completely. This re-reporting of a previously deleted account, without new evidence or notification, is improper and legally questionable. According to : FCRA 611 ( a ) ( 5 ) ( B ), if information is deleted following a dispute, a furnisher may not reinsert it into the credit file unless they certify its accuracy and the credit bureau notifies the consumer in writing within 5 business days. Because I was not notified and no new evidence has been provided, this item must be removed immediately. expect full compliance within the 30-day investigation period as mandated by federal law. If these items are not resolved promptly, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #14511693 about?
Complaint #14511693 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 2025-07-07T12:00:00-05:00.
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.