Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16684618
Complaint Overview
Complaint ID: 16684618
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: Texas
ZIP Code: 79928
Date Received: 2025-10-19T12:00:00-05:00
Date Sent to Company: 2025-10-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX DOB : XXXX XXXX : Last 4 digits of SSN : XXXX Credit bureaus or furnishers involved : TransUnion, Experian, Equifax This complaint addresses the inaccurate and unverified credit reporting by the credit bureaus, specifically regarding multiple charge-off accounts and unauthorized hard inquiries. Despite previous disputes, these inaccuracies remain unresolved, causing detrimental effects on the consumer 's creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), XXXX, and XXXX, credit reporting agencies and furnishers are required to ensure accurate reporting and timely correction of errors. The failure to adhere to these obligations has resulted in incorrect credit data remaining on the consumer 's reports. The persistence of these inaccuracies has led to harm, including the potential for higher interest rates, loan denials, and other financial setbacks. Disputed Accounts XXXX XXXX XXXX Account # : XXXX [ Experian ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX Account # : XXXX [ TransUnion ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( XXXX ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX [ Equifax ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX [ Experian ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX Account # : XXXX [ TransUnion ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX Account # XXXX XXXX [ Equifax ] Issue : XXXX derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i Hard Inquiry Disputes XXXX XXXX Date of inquiry : XXXX [ Experian, TransUnion ] Issue : Unauthorized inquiry XXXX no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XXXX [ Experian ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX Date of inquiry : XXXX [ TransUnion ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XXXX [ TransUnion ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX Date of inquiry : XXXX [ TransUnion ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XXXX [ Equifax ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports Personal Info Discrepancies Incorrect names : XXXX XXXX ; XXXX XXXX XXXX Correct name : XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Violation : FCRA 1681e ( b ) for inaccurate personal info reporting The following statutes are relevant to this complaint : FCRA 1681i - Procedures in case of disputed accuracy FCRA 1681s-2 - Responsibilities of furnishers of information FCRA 1681e ( b ) - Accuracy of report XXXX XXXX guidelines - Industry standard for data formatting The inaccuracies and unauthorized inquiries have resulted in significant consumer harm, including potential loan denials, higher interest rates, and adverse impacts on job and housing opportunities. These issues have also caused undue financial stress and employment concerns for the consumer.
Frequently Asked Questions
What is Complaint #16684618 about?
Complaint #16684618 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 2025-10-19T12:00:00-05:00.
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.