Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16530840
Complaint Overview
Complaint ID: 16530840
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: Georgia
ZIP Code: 30253
Date Received: 2025-10-12T12:00:00-05:00
Date Sent to Company: 2025-10-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Equifax has provided contradictory dispute investigation results regarding my XXXX XXXX XXXX ( JXXXX ) and XXXX XXXX accounts. Despite multiple dispute results stating the items were not currently reporting, these accounts remain present on my Equifax credit file. This constitutes inaccurate reporting under FCRA 607 ( b ), failure to conduct a reasonable reinvestigation under 611 ( a ), and possible unauthorized reinsertion without proper notice under 611 ( a ) ( 5 ) ( B ). Timeline of Events XXXX. XX/XX/year> Confirmation # XXXX Equifax reported that XXXX XXXX XXXX account was verified as belonging to you. XXXX. XX/XX/year> Confirmation # XXXX Equifax reported both XXXX and XXXX XXXX accounts as The disputed item is not currently reporting on the Equifax credit file. XXXX. XX/XX/year> Confirmation # XXXX Equifax again reported XXXX and XXXX XXXX accounts as The disputed item is not currently reporting on the Equifax credit file. File/Report # : XXXX XXXX. XX/XX/year> XXXX Despite the above dispute results, both XXXX and XXXX accounts remain on my live Equifax credit report. Equifaxs reporting is contradictory and inaccurate, violating FCRA 607 ( b ). Equifax has failed to conduct a reasonable reinvestigation under 611 ( a ) by issuing conflicting outcomes. If the items were deleted and reinserted, Equifax failed to provide the required reinsertion notice under 611 ( a ) ( 5 ) ( B ). XXXX and XXXX XXXX may be furnishing incomplete or inaccurate information in violation of FCRA 623 ( a ). Harm These contradictory and inaccurate entries continue to harm my creditworthiness. I am unable to rely on the accuracy of my Equifax report, causing stress and potential financial harm.
Frequently Asked Questions
What is Complaint #16530840 about?
Complaint #16530840 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 2025-10-12T12:00:00-05:00.
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.