Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16040159
Complaint Overview
Complaint ID: 16040159
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: Virginia
ZIP Code: 234XX
Date Received: 2025-09-18T12:00:00-05:00
Date Sent to Company: 2025-09-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This account is being inaccurately reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), creditors XXXX only classify an account as a charge-off if it has been delinquent for XXXX days. I was never XXXX days past due on this account. I made payment ( XXXX ) that brought the account current prior to reaching charge-off status. Enclosed are copies of my records, including [ bank statements, payment receipts, or statements ], which clearly show my payments and prove that the account never qualified for charge-off treatment. Please provide me with written confirmation once this error has been corrected. If the inaccurate reporting is not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal remedies under the FCRA. Thank you for your prompt attention. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #16040159 about?
Complaint #16040159 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 2025-09-18T12:00:00-05:00.
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.