Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17001391
Complaint Overview
Complaint ID: 17001391
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: Pennsylvania
ZIP Code: 18702
Date Received: 2025-11-03T12:00:00-05:00
Date Sent to Company: 2025-11-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, I am submitting a formal complaint regarding several inaccurate and potentially unverified negative accounts appearing on my credit reports. Despite prior attempts to resolve these matters directly with the credit bureaus and furnishers, the disputed information remains. I am therefore requesting your assistance in conducting a full investigation under the Fair Credit Reporting Act ( FCRA ) and ensuring that unverifiable or inaccurate data is corrected or removed. Below are the accounts in question and the reasons for my dispute : XXXX XXXX XXXXXXXX Reported as 30 days late ( XXXX time ). I dispute this late payment as inaccurate and request verification or removal. XXXX XXXX XXXX Reported as installment, unpaid balance, reported as a loss. I do not recognize this debt and request full validation of ownership and balance. XXXX XXXX Reported as 30, 60, and 90 days late, unpaid balance reported as a loss. I dispute the accuracy of these late payments and the reported charge-off. XXXX Listed as Negative. I request clarification and documentation of the negative entry ; otherwise, please remove it. XXXX XXXX XXXX XXXX Reported as 30, 60, and 90 days late ( XXXX times ). I dispute this as inaccurate and request review and correction if unverifiable. XXXX XXXX Reported multiple 30, 60, and 90 days late entries and unpaid balance reported as a loss. I dispute the completeness and accuracy of these reports and request validation. In accordance with FCRA 611, please require the credit reporting agencies and furnishers to verify the accuracy of these items. If they can not substantiate the data with original documentation, these entries should be promptly deleted or corrected. Enclosed/attached are copies of my identification and supporting documentation to assist with your investigation. Please provide written confirmation once your review is complete, including the results and any corrective actions taken. Thank you for your attention and cooperation.
Frequently Asked Questions
What is Complaint #17001391 about?
Complaint #17001391 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 2025-11-03T12:00:00-05:00.
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.