Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16118669
Complaint Overview
Complaint ID: 16118669
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: California
ZIP Code: 90640
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
I am disputing a collection account furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Date of First Delinquency ( DOFD ) is reported as XX/XX/XXXX, but my first missed rent payment was in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), the DOFD must reflect the first missed payment that led to the delinquency. Reporting a later date unlawfully extends the time this account can remain on my credit report. I have disputed this account with Equifax three separate times, specifically pointing out the DOFD discrepancy. Each time, Equifax updated unrelated fields but failed to correct the DOFD. I also submitted a debt validation request to the furnisher on XX/XX/XXXX, and they failed to provide itemized documentation. On XX/XX/XXXX, they confirmed my request was on record. Because the debt was never properly validated and the DOFD is inaccurate, continued reporting violates FCRA 611 and 623 ( a ) ( 5 ).
Frequently Asked Questions
What is Complaint #16118669 about?
Complaint #16118669 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 2025-09-21T12:00:00-05:00.
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.