Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14911679
Complaint Overview
Complaint ID: 14911679
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: Illinois
ZIP Code: 60056
Date Received: 2025-07-27T12:00:00-05:00
Date Sent to Company: 2025-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the continued reporting of a derogatory collection account by XXXX XXXX XXXX on my Equifax credit report, dated XX/XX/XXXX. The account shows as the most recent item, with a date of XX/XX/XXXX, despite being tied to an older, charged-off XXXX account that should no longer be actively reported in this way. Equifax is reporting this account in a way that makes it appear as if I recently defaulted or went into collection in late XXXX. This is both misleading and materially damaging to my credit profile. The original account defaulted years earlier, and this re-aged reporting violates both : FCRA 605 ( c ) illegal re-aging of accounts, Metro 2 Guidelines accounts must reflect the original Date of First Delinquency ( DOFD ). Additionally, no updated balance or payment activity has occurred on this account. There is no justifiable basis for listing this as my most recent account, especially when I have had other active credit activity since that time. This false recency is seriously harming my creditworthiness. I have been denied financing and job-related opportunities due to the perception that I have a recent default or collection. It also lowers my score due to its weight as a recent derogatory entry. This reporting does not accurately reflect my actual financial behavior or timeline and creates the false impression that I have unresolved and recent delinquency.
Frequently Asked Questions
What is Complaint #14911679 about?
Complaint #14911679 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 2025-07-27T12:00:00-05:00.
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.