Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16711346
Complaint Overview
Complaint ID: 16711346
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: Georgia
ZIP Code: 303XX
Date Received: 2025-10-20T12:00:00-05:00
Date Sent to Company: 2025-10-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Equifax : A. Personal Information & Alerts Name/Address harmonization : Retain only XXXX XXXX and current address ; purge unsupported name variants and old addresses that do not match my ID. Initial XXXX XXXX present : Confirm proper 605A handling and that no adverse coding depresses scores. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Credit Card ( opened XX/XX/XXXX ) XXXX late history present You show Open/Current, XXXX XXXX with a XXXX late ( matching TU ). Produce running statements/ledger for the late month ( s ) showing due date, posting date, and aging. If not produced, delete the late or the entire derogatory coding. XXXX : XXXX ( Status ), XXXX ( Payment Rating ), XXXX ( Payment History ), XXXX ( Date Info ), XXXX ( Last Payment ). XXXX. XXXXXXXX XXXX XXXXXXXX Second CC entry ( Acct ending XXXX ) : Account disputed/ Consumer disputes this account information. If no active dispute exists, remove the dispute remark/XB code to prevent misleading users of the report. Provide MOV. XXXX. XXXX XXXX XXXX ( opened XX/XX/XXXX ) Confirm Open/Current with accurate {$4000.00} limit and dates. Remove any stale dispute flags. Provide MOV. XXXX. XXXX XXXX XXXX ( opened XX/XX/XXXX ; Closed ; status : Collection/Chargeoff ; balance {$15000.00} ; DOFD XX/XX/XXXX ) Verification required : Provide full ledger, charge-off accounting, XXXX, chain of title/assignment if sold, and obsolescence date ( reporting limited to 7 years + 180 days from XXXX ). Any re-aging or inconsistent XXXX violates 607 ( b ) and 623 ( a ) ( 5 ). If you can not document, delete the tradeline. XXXX : 12 ( Status ), 17 ( Rating ), 25 ( High Credit/Original Amount ), 32 ( Balance ), 35 ( History ), 37 ( Date Info ), 40 ( Last Payment ), DOFD/Compliance Date. XXXX. SUMMIT A * R Medical Collection ( {$980.00} ; Acute Physical Therapy ; reported XX/XX/XXXX ) Provide itemized bill/EOB, provider authorization/HIPAA-compliant disclosure, assignment/chain of title, and XXXX. If not produced, delete. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX Remedies Sought Same demands as stated to Experian ( independent reinvestigation, correction/deletion, remove stale dispute/XB codes, MOV in 30 days, GLBA/Reg V breach disclosure if applicable ).
Frequently Asked Questions
What is Complaint #16711346 about?
Complaint #16711346 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 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.