Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14904441
Complaint Overview
Complaint ID: 14904441
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: XXXXX
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This account was previously disputed and continues to inaccurately report a balance. The furnisher marked the account as purchased by another lender yet failed to identify the new creditor, in violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to report accurate and complete information. The account is misleading as it implies a balance is still owed but does not specify who owns the debt, creating confusion and harming my credit profile. The FCRA prohibits incomplete or misleading reporting, especially when the account has been charged off and sold. If a debt is sold, the original creditor must report a {$0.00} balance unless they still own the account. XXXX XXXX has failed to meet this standard. I am requesting this account be deleted or updated to reflect a {$0.00} balance if it has truly been sold.
Frequently Asked Questions
What is Complaint #14904441 about?
Complaint #14904441 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 2025-07-26T12:00:00-05:00.
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.