Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16937485
Complaint Overview
Complaint ID: 16937485
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: New York
ZIP Code: 11373
Date Received: 2025-10-30T12:00:00-05:00
Date Sent to Company: 2025-10-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding the following tradeline that is inaccurately appearing on my credit reports : XXXX XXXX XXXXXXXX Account # XXXX reporting as Charge-Off on Equifax and TransUnion. The account is listed as Authorized User. I never agreed to be an authorized user on this account, I do not recognize the account holder, and the account has nothing to do with me. I requested removal from the reporting furnisher, but XXXX XXXX XXXXXXXX has refused or failed to correct this designation. This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting a charge-off tied to me as an Authorized User when I never authorized or used the account is objectively misleading and inaccurate. Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the CRA must conduct a reasonable reinvestigation. Vague statements such as verified with furnisher are insufficient where the consumer denies any relationship to the account. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an item was previously deleted, any reinsertion requires a written certification from the furnisher and consumer notice. I have not received any such certification or notice.
Frequently Asked Questions
What is Complaint #16937485 about?
Complaint #16937485 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-10-30T12:00:00-05:00.
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.