Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16117995
Complaint Overview
Complaint ID: 16117995
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30016
Date Received: 2025-09-21T12:00:00-05:00
Date Sent to Company: 2025-09-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Formal Dispute of Inaccurate Reporting under the FCRA To Whom It May Concern, I am disputing the accuracy of the following accounts reported on my credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the following entries are inaccurate, incomplete, and unverifiable : 1. XXXX XXXX XXXX - Account is reported as a Charge Off with inconsistent balances and high credit amounts. - Payment history continues to show Charge Off every month, which is inaccurate under FCRA 1681e ( b ) as the same event can not be re-aged repeatedly. - This reporting is misleading, incomplete, and must be deleted. 2. XXXX XXXX XXXX - Account history shows multiple months marked as 30 Days Late while status is reported as Pays as Agreed, which is contradictory. - Narrative code lists Reinvestigation in Process, which is outdated and misleading, violating FCRA 1681c-2 and 1681i. - These contradictions render the account unverifiable and inaccurate, requiring immediate updating all years and all months in the payment history to " on time '', " never late ''. 3. XXXX XXXX XXXX- - Account shows conflicting balances, with reported high credit and payment history data not matching. - Status does not align with payment activity, making it incomplete and unverifiable. - Under FCRA 1681e ( b ), the CRA is responsible for ensuring accuracy, which has not been met. 4. XXXX XXXX/ XXXX XXXX - Reported with a balance but no last payment date or complete history. - Status shows 'Unpaid ' without proper supporting data, violating the accuracy requirement under FCRA 1681e ( b ). 5. BANKRUPTCY US BANKRUPTCY COURT, XXXX ( Filed XX/XX/year> ) The record lacks proper identifying information to verify accuracy. - Public records provided by third-party data vendors ( like XXXX ) do not include full identifiers, making this unverifiable under FCRA 1681i. 6. XXXX XXXX Collection account is showing no date of last payment, incomplete payment history, and unverifiable balance
Frequently Asked Questions
What is Complaint #16117995 about?
Complaint #16117995 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-21T12:00:00-05:00.
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.