Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16490088
Complaint Overview
Complaint ID: 16490088
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Virginia
ZIP Code: 20148
Date Received: 2025-10-09T12:00:00-05:00
Date Sent to Company: 2025-10-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a XXXXXXXX XXXX XXXX reported as a joint account. I never consented to be a joint owner. The account was opened by my soon-to-be ex-husband solely for use during our XXXX in XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. I was unaware the account remained open, as we had agreed it would not be used. In XX/XX/XXXX, after he abandoned our home, XXXX XXXX XXXX, stole {$100000.00} from marital accounts and {$12000.00} from our childs savings, and charged {$10000.00} to a different card where he was authorized, I had to pay that balance off. All charged-off amounts on the disputed XXXX account occurred between XX/XX/XXXX and XX/XX/XXXX. During this period, I had an active protective order against him, proving I had no involvement. I initially reached out to XXXX in XX/XX/XXXX to ensure I had no open accounts that could leave me vulnerable. They were unable to locate the account under my name or XXXX, leading me to believe it was closed. In spring XXXX, I began receiving credit alerts that the XXXX account was XXXX days late. I contacted XXXX again, and they were still unable to find any account under my name or XXXX ; the account could only be retrieved using my ex-husbands information. I filed credit report disputes, which were denied. XXXX proof relied on charges not made by me. I also contacted the CEO in XX/XX/XXXX to request a good-faith correction, which was denied on the basis that they must report accurately. I contest that holding me accountable for these late payments and the charge-off is incorrect reporting. I request that XXXX either provide proof I consented to this joint account or remove it from my credit report.
Frequently Asked Questions
What is Complaint #16490088 about?
Complaint #16490088 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. 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 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.