Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16191226
Complaint Overview
Complaint ID: 16191226
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: 90047
Date Received: 2025-09-25T12:00:00-05:00
Date Sent to Company: 2025-09-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
While reviewing my Equifax credit report, I was frustrated and dismayed to find three accounts being inaccurately reported as having late payments, despite each being closed, fully paid, and showing XXXX past due balances. These accounts are : The first is XXXX XXXX XXXX, ending in XXXX, reported on XX/XX/XXXX. This account is fully closed and paid, with XXXX past due, yet Equifax continues to reflect it in a way that falsely suggests I was delinquent. The second is XXXX ending in XXXX, reported on XX/XX/XXXX, also fully paid and closed. Despite this, it is being reported as if I missed a payment, which is false and misleading. The third is XXXX, ending in XXXX, reported on XX/XX/XXXX, again showing a closed and fully paid status with no past due, yet Equifax continues to report it inaccurately. These inaccuracies are more than minor errorsthey directly violate the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting paid and closed accounts as late is the exact opposite of accurate reporting. Under 15 U.S.C. 1681i, I also have the right to a reasonable reinvestigation of disputed information, yet these accounts remain incorrectly reported despite my documentation and prior disputes. The consequences of these errors are tangible. Each false late payment impacts my credit score, misrepresents my financial history to lenders, and creates barriers when I apply for credit. It is unfair, stressful, and exhausting to see accounts that I responsibly managed continue to appear derogatory on my credit report. Repeatedly confronting these errors feels like an uphill battle, and it undermines my trust in Equifaxs ability to report accurately.
Frequently Asked Questions
What is Complaint #16191226 about?
Complaint #16191226 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 2025-09-25T12:00:00-05:00.
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.