Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14653689
Complaint Overview
Complaint ID: 14653689
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: Florida
ZIP Code: 33014
Date Received: 2025-07-14T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint regarding three charge-off accounts that are being inaccurately reported on my credit reports : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted formal disputes to the credit reporting agencies ( Equifax, XXXX, and XXXX ) and provided supporting documentation to challenge the accuracy of these accounts. However, the bureaus have responded that the accounts were verified without supplying any proof of how the verification was conducted or any documentation from the original creditors. This response fails to meet the legal standards outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable and thorough investigation of disputed information. These charge-off entries are negatively impacting my credit profile and my ability to access credit and financial services. I have also submitted a complaint to the Federal Trade Commission ( FTC ) under Report Number XXXX. I am requesting the CFPB to investigate this matter and ensure that both the credit reporting agencies and furnishers comply with federal law.
Frequently Asked Questions
What is Complaint #14653689 about?
Complaint #14653689 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 2025-07-14T12:00:00-05:00.
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.