Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16377111
Complaint Overview
Complaint ID: 16377111
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 32808
Date Received: 2025-10-05T12:00:00-05:00
Date Sent to Company: 2025-10-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Request for Investigation and Removal of Inaccurate Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported on my Equifax credit file in regard to the above-referenced account with XXXX XXXX XXXX XXXX reported as Charge Off. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information in my credit report that I believe is inaccurate, incomplete, unverifiable, or misleading. After reviewing my credit file, I have identified several discrepancies regarding this account : XXXX. The account is listed as Charge Off with a XXXX balance and a closed date of XX/XX/year>, yet it continues to report adverse statuses beyond the date of closure, which is misleading. XXXX. Narrative codes indicate Consumer Disputes This Account Information and Account Previously in Dispute Resolved by Data Furnisher, yet the account remains with derogatory notations, which contradicts accurate reporting requirements. XXXX. The account shows inconsistent reporting regarding payment history, including multiple late payment designations after the account was closed, which is not permissible under the FCRA. Because this account is being reported with conflicting, inaccurate, and misleading information, I am requesting an immediate investigation under FCRA 611. If the furnisher of this information can not provide complete and verifiable evidence to support these notations, I respectfully demand the deletion of this account from my credit file in its entirety. Please provide me with written confirmation of the results of your investigation and a corrected copy of my credit report within the 30-day period required by law. I am also including a copy of the relevant section of my credit report ( see attached screenshot ) highlighting the inaccurate reporting for your reference. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #16377111 about?
Complaint #16377111 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-05T12:00:00-05:00.
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.