Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16118934
Complaint Overview
Complaint ID: 16118934
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 33126
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
Delete Immediately XXXX XXXX Account Reporting in Violation of the Law Remove immediately and delete this account from my credit file, as it is being reported in direct violation of federal law. Disputed Account Information Furnisher : XXXX XXXX Original Creditor : XXXX XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX ( Experian/Equifax ) XXXX XX/XX/XXXX ( XXXX ) Status : Collection / Charge-off Derogatory Date Last Active : XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( Equifax ) Last Reported XXXX XX/XX/XXXX This account is inaccurate, inconsistent, and unverifiable. Each bureau reports different dates, statuses, and comments, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). XXXX lists it as a collection account opened XX/XX/XXXX with last activity XX/XX/XXXX. Experian lists it as an open account derogatory opened XX/XX/XXXX. Equifax lists it as a collection account opened XX/XX/XXXX but shows last activity as XX/XX/XXXX, which is contradictory. Legal Violations 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy. 15 U.S.C. 1681i : Duty to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate. By continuing to report this account, the credit bureau is in willful noncompliance with federal law. Resolution Demanded I demand that you : Delete immediately the XXXX XXXX tradeline ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) from my credit report. Provide written confirmation of deletion within 15 days. Cease reporting this inaccurate and unlawful account to any third parties. Notice of Intended Action If you fail to comply, I will escalate by filing complaints with the FTC, and my State Attorney General, and pursue civil remedies under 15 U.S.C. 1681n & 1681o for statutory and actual damages, defamation, and emotional distress. This matter is urgent and directly affects my financial stability. I expect full compliance with the FCRA without delay.
Frequently Asked Questions
What is Complaint #16118934 about?
Complaint #16118934 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.