Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16012087
Complaint Overview
Complaint ID: 16012087
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: Texas
ZIP Code: 76053
Date Received: 2025-09-17T12:00:00-05:00
Date Sent to Company: 2025-09-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because my credit reports across all three major bureausXXXX XXXX, and Equifaxare showing multiple collections and a charge-off that are either inaccurate, unverifiable, or outdated. These reporting errors are negatively impacting my creditworthiness, causing financial hardship, and violating federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The collection accounts in question are all associated with the Department of EducationXXXX XXXX They are reported as follows : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3700.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$6500.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} Each of these accounts has been reported without sufficient documentation to substantiate that I am legally responsible for the debts. When I disputed these items, I did not receive evidence such as contracts, payment histories, or statements confirming the validity of the debts. Simply marking the accounts as verified does not constitute a lawful reinvestigation under 15 U.S.C. 1681i. A proper reinvestigation requires the credit bureaus to obtain and review verifiable documentation directly from the furnisher, yet this standard has not been met. By allowing these collections to remain on my credit reports without verification, the bureaus are publishing information they can not verify as accurate, which is a direct violation of their obligations under the FCRA. In addition, Equifax is reporting a XXXX charge-off ( XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} ) that is inaccurate. This account reflects a XXXX balance, meaning it has already been satisfied or otherwise resolved, yet it continues to appear as a derogatory charge-off. Under 15 U.S.C. 1681c, outdated accounts and accounts with XXXX balances must not be reported in a way that misrepresents a consumers credit standing. Equifaxs continued reporting of this charge-off is misleading, harmful, and legally indefensible. These inaccuracies are not just technical errorsthey have real consequences. Because of these accounts, I have been denied credit opportunities and offered higher interest rates. Lenders have questioned me about these collections and charge-offs during credit applications, causing significant stress, embarrassment, and financial disadvantage. I have been forced to explain and dispute matters that should have been resolved long ago, which has caused emotional distress and wasted countless hours.
Frequently Asked Questions
What is Complaint #16012087 about?
Complaint #16012087 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 2025-09-17T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.