Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16711302
Complaint Overview
Complaint ID: 16711302
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Massachusetts
ZIP Code: 02135
Date Received: 2025-10-20T12:00:00-05:00
Date Sent to Company: 2025-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint to the Consumer Financial Protection Bureau against the credit bureaus and the furnishers listed below for reporting, verifying, and maintaining inaccurate, incomplete, and unverified information on my credit profile. I have previously disputed these accounts directly with the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), yet the accounts remain without proper reinvestigation or correction. The continued reporting of these items has negatively impacted my creditworthiness and caused emotional and financial harm. I am requesting a full investigation and enforcement action against the furnishers and credit bureaus involved in these violations. Account XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, 2022 Balance : {$4500.00} Charge Off This account is being reported inaccurately and in violation of the Fair Credit Reporting Act 602 ( B ) and 611 ( A ) ( 1 ) ( A ), which ensure that data furnishers and credit bureaus only report verified, complete, and accurate information. I have no verified record or valid documentation proving this charge-off is accurate. The reporting of this account has caused harm to my credit reputation, and without verification from the original creditor through legally sufficient documentation, this data should not remain on my file. The creditor or bureau must provide full verification under the FCRA, including a signed contract, payment records, and the chain of custody of the account. If such verification can not be provided, this account must be removed immediately for failing to meet the standard of accuracy and completeness as required under FCRA 607 ( b ). These ongoing violations have caused significant emotional distress, financial hardship, and damage to my credit reputation. I request the CFPB to compel the furnishers and credit bureaus to immediately remove or correct all inaccurate, unverifiable, and unauthorized items listed above and to ensure full compliance with the Fair Credit Reporting Act. Furthermore, I request documentation proving the credit bureaus reinvestigation process, the furnishers verification methods, and any consent allegedly given for the inquiry. I am seeking enforcement action, deletion of the disputed accounts and inquiry, and confirmation of corrective measures taken by the involved parties.
Frequently Asked Questions
What is Complaint #16711302 about?
Complaint #16711302 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-20T12:00:00-05:00.
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.