Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15445221
Complaint Overview
Complaint ID: 15445221
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: Michigan
ZIP Code: 48035
Date Received: 2025-08-21T12:00:00-05:00
Date Sent to Company: 2025-08-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax is reporting a XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX ) with contradictory and incomplete information. It is coded as an Open Account while also marked XXXX, which is conflicting. The balance is listed as {$1600.00}, but the account simultaneously shows Late XXXX Days / Collection, which is inaccurate. No supporting documentation has been provided to substantiate this alleged debt, delinquency, or assignment. This violates the FCRA because Equifax is furnishing unverifiable and inaccurate information : The contradictory coding ( Open + Collection ) is misleading. Payment history reporting Late 120 Days conflicts with the account balance coding. No verifiable documentation ( assignment of debt, DOFD, or account ledger ) has been produced. This fails the FCRAs requirement of maximum possible accuracy and reasonable reinvestigation.
Frequently Asked Questions
What is Complaint #15445221 about?
Complaint #15445221 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 2025-08-21T12:00:00-05:00.
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.