Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16335435
Complaint Overview
Complaint ID: 16335435
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: Pennsylvania
ZIP Code: 17403
Date Received: 2025-10-02T12:00:00-05:00
Date Sent to Company: 2025-10-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint regarding XXXX XXXX inaccurate and misleading reporting of my account information to the credit reporting agencies TransUnion, Experian, and Equifax. These inaccuracies have severely impacted my credit profile and violate my rights under federal law. The XXXX XXXX account in question is reporting the following : - Incorrect credit limits and high credit values across bureaus ( Experian and Equifax inconsistencies ). - Contradictory and misleading comments ( e.g., reported as 'closed due to inactivity ' while also reported as a charge-off ). - Balance and past due amounts remain after charge-off, which is misleading and inaccurate. - Payment history reflects 'OK ' after serious delinquencies/charge-off, which is impossible. These actions violate the following laws : - Fair Credit Reporting Act ( FCRA ), 607 ( B ) : Requiring maximum possible accuracy. - FCRA, 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information known to be inaccurate. - FCRA, 611 : Consumer right to dispute incomplete or inaccurate information. - Federal Trade Commission ( FTC ) & CFPB guidance : Prohibiting misleading or contradictory reporting.
Frequently Asked Questions
What is Complaint #16335435 about?
Complaint #16335435 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 2025-10-02T12:00:00-05:00.
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.