Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #16135900
Complaint Overview
Complaint ID: 16135900
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Arizona
ZIP Code: 850XX
Date Received: 2025-09-23T12:00:00-05:00
Date Sent to Company: 2025-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The XXXX XXXX account on my credit report is being reported incorrectly. It shows as charged-off in XX/XX/year>, but the payment history still adds new late/CO marks in XXXX, XXXX, and even XX/XX/year>. Thats not possibleonce an account is charged-off and closed, no new late payments should be reported. This error makes it look like Ive been delinquent longer than I actually was. Because the reporting is inaccurate and misleading, Im asking that this account be deleted completely from my credit report.
Frequently Asked Questions
What is Complaint #16135900 about?
Complaint #16135900 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2025-09-23T12:00:00-05:00.
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.