Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16122232
Complaint Overview
Complaint ID: 16122232
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: Massachusetts
ZIP Code: 02360
Date Received: 2025-09-20T12:00:00-05:00
Date Sent to Company: 2025-09-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing a complaint regarding inaccurate and inconsistent reporting across Equifax, Experian, and TransUnion. Despite submitting disputes, the accounts remain incorrect and continue to harm my credit profile. XXXX XXXX Credit Card ( XXXX XXXX XXXX XXXX XXXXXXXX ) : Conflicting Date of First Delinquency and removal dates. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Reported as consumer disputes, unpaid charge-off, and seriously delinquent depending on bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Paid charge-off with conflicting dates ( XXXX XXXX XXXX, XXXX closed XXXX, XXXX removal XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Reported as paid/was charge-off by some bureaus but missing from others. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Reported as sold/was charge-off by XXXX, sold/transferred, paid/was charge-off by XXXX, and not listed by XXXX. These discrepancies violate FCRA 611, which requires accurate and consistent reporting. I request the CFPB require the bureaus and furnishers to reinvestigate with proper documentation, correct or delete unverifiable accounts, and ensure consistent reporting across all three bureaus.
Frequently Asked Questions
What is Complaint #16122232 about?
Complaint #16122232 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 2025-09-20T12:00:00-05:00.
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.