Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16641934
Complaint Overview
Complaint ID: 16641934
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: Florida
ZIP Code: 32832
Date Received: 2025-10-16T12:00:00-05:00
Date Sent to Company: 2025-10-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'My name is XXXX XXXX, and I am submitting this formal dispute regarding the XXXX XXXX XXXX XXXX account, number XXXX XXXX XXXX XXXX, due to multiple inconsistencies and errors in the information reported to the credit bureaus (Experian, TransUnion, and Equifax).\n\nI have attempted to dispute this account directly with the credit bureaus, but the errors persist. Therefore, I am requesting formal intervention and immediate correction.\n\nDetected Errors:\nAccount status vs. late payments: On TransUnion, the late payment fields (30/60/90 days) show 0 late payments, while the account status is reported as Collection / Charge-Off. A charge-off cannot exist without late payments, which constitutes a clear contradiction.\n\nBalance and available credit: On Equifax, the account shows a balance of XXXX with negative available credit (XXXX). Experian and TransUnion report the balance inconsistently. This reflects an inaccurate account report.\n\nClosing date / last payment: On TransUnion, the last payment is reported as XXXX XXXX and a closing date is indicated, whereas Experian and Equifax do not report a closing date. The inconsistency between bureaus constitutes inaccurate information under the FCRA.\n\nLegal Basis:\nFCRA 607(b) (15 U.S.C. 1681e(b)): Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of the information included in consumer reports.\n\nFCRA 611(a)(1) (15 U.S.C. 1681i(a)(1)): Right to dispute inaccurate information and to request a documented investigation.\n\nThese inconsistencies are clear violations of the law and constitute inaccurate, contradictory, and unverifiable information. I request that the relevant credit bureau:\n\nConduct a complete and documented investigation of the XXXX account XXXX XXXX XXXX XXXX\n\nImmediately delete any information that cannot be verified with objective evidence.\n\nProvide written confirmation of the investigation results and actions taken to correct these inaccuracies.\n\nAttachments: Copies of Experian, TransUnion, and Equifax reports showing the inconsistencies mentioned.\n\nThank you,\n\XXXX XXXX'
Frequently Asked Questions
What is Complaint #16641934 about?
Complaint #16641934 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 2025-10-16T12:00:00-05:00.
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.