Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15332815
Complaint Overview
Complaint ID: 15332815
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: California
ZIP Code: 91773
Date Received: 2025-08-16T12:00:00-05:00
Date Sent to Company: 2025-08-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, incomplete, and unverifiable information to Equifax, Experian, and TransUnion. On XX/XX/year>, XXXX responded to my dispute ( letter attached ) but failed to provide validation. They merely restated balances without providing original agreements, payment history, or documentation of ownership. Despite admitting the loans are in charge-off status, XXXX continues to report them as delinquent and update monthly, which constitutes illegal re-aging under Metro 2 standards. XXXX falsely stated that credit bureaus determine how UNIFYs name appears, when in fact the furnisher is responsible for accurate Metro 2 reporting. My credit reports clearly show these tradelines as consumer disputes reported as fraud by consumer, yet XXXX letter ignored the fraud investigation entirely. Finally, XXXX threatened collection by stating charge-off does not mean uncollectable without validating or proving current ownership, which is misleading. These actions violate the FCRA ( 611, 623, 1681e ( b ) ), Metro 2 standards, and FDCPA.
Frequently Asked Questions
What is Complaint #15332815 about?
Complaint #15332815 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 2025-08-16T12:00:00-05:00.
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.