Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15365430
Complaint Overview
Complaint ID: 15365430
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: Louisiana
ZIP Code: 70805
Date Received: 2025-08-18T12:00:00-05:00
Date Sent to Company: 2025-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax is reporting a charge-off account that is inaccurate, outdated, and unlawful to remain on my credit file. The account in question is XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$1100.00}. This entry is being wrongfully maintained despite being far outside the permissible reporting period under the Fair Credit Reporting Act. The FCRA clearly restricts the reporting of charge-off accounts to seven years plus 180 days from the date of the first delinquency that led to the negative status. In this case, the account is nearly two decades old. By continuing to publish this derogatory entry in XXXX, Equifax is blatantly ignoring its legal duty to ensure maximum possible accuracy and to remove information that is obsolete under federal law. This is not a harmless oversight. Each time a lender, creditor, or other third party accesses my credit file, this outdated and unlawful entry misrepresents my creditworthiness, damaging my reputation, costing me financial opportunities, and causing emotional distress. Equifax can not lawfully re-age this account or keep it active beyond the allowable reporting period. Its presence today is a violation of consumer protection laws designed to ensure fairness in credit reporting.
Frequently Asked Questions
What is Complaint #15365430 about?
Complaint #15365430 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 2025-08-18T12:00:00-05:00.
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.