Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16489701
Complaint Overview
Complaint ID: 16489701
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33844
Date Received: 2025-10-09T12:00:00-05:00
Date Sent to Company: 2025-10-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding Equifaxs inaccurate and inconsistent reporting of an XXXX XXXX charged-off account, despite clear discrepancies and questionable data. XXXX : XXXX XXXX. Equifax Report Date : XX/XX/XXXX Date Opened : XX/XX/XXXX Original Credit Limit : {$20000.00} Charge-off Amount : {$17000.00} Reported Balance : {$16000.00} Past Due Amount : {$16000.00} Date of First Delinquency ( DOFD ) : XX/XX/XXXX Date of Major Delinquency Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed / Charged-Off Comments : Consumer Disputes After Resolution Charged Off Account Fixed Rate I previously disputed this account. Equifax is continuing to report this tradeline with internal inconsistencies and misleading data : Specific Issues 1.Inaccurate Past Due on a Closed Charged-Off Account The account is clearly reported as closed and charged off, yet Equifax continues to display a {$16000.00} past due amount. Under FCRA 607 ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting a past due amount on a charged-off/closed account is misleading because no scheduled payments remain. 2. Inconsistent Delinquency Timeline DOFD is listed as XX/XX/XXXX. Major delinquency is not reported until XX/XX/XXXX 17 months later. A last payment is being reported as XX/XX/XXXX, which is nearly two years after first delinquency. This sequence suggests either incorrect DOFD, erroneous payment activity, or improper aging. Under FCRA 611 ( a ), a reinvestigation should have clarified these discrepancies yet Equifax verified without correction. XXXX. Balance & Payment Reporting Conflicts Account is closed and charged off. Yet Equifax reports actual payment amount {$520.00} on XX/XX/XXXX as if recent activity exists. There is no balloon payment structure in the original loan, yet balloon payment fields are filled in. These inconsistencies affect credit scoring models and the way this derogatory is aged and factored, constituting failure to maintain maximum accuracy ( 607 ( b ) ). 4. Incomplete or Insufficient Reinvestigation My previous dispute returned with a generic Consumer disputes after resolution comment. No Method of Verification was provided under 611 ( a ) ( 6 ) ( B ) ( iii ). I was not told how the account was verified, what records were used, or why these conflicting data points remain. XXXX. Furnisher Responsibility If XXXX XXXX can not support these figures and timelines with actual records, then under 623 ( a ) ( 1 ) ( A ), they should not be furnishing this information at all. Continuing to report unverifiable, inconsistent data violates their duties as a furnisher.
Frequently Asked Questions
What is Complaint #16489701 about?
Complaint #16489701 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 2025-10-09T12:00:00-05:00.
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.