Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17109979
Complaint Overview
Complaint ID: 17109979
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: Oklahoma
ZIP Code: 73135
Date Received: 2025-11-07T12:00:00-05:00
Date Sent to Company: 2025-11-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reporting inaccurate credit information being furnished by CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting a balance of {$140.00} on my account for several consecutive months. This information is incorrect because the XXXX XXXX XXXX XXXX is a secured charge card, not a revolving credit line. You can only spend funds you have already deposited, and every transaction is automatically paid in full using those funds. I first notified XXXX on XX/XX/year>, about the inaccuracy. As of XX/XX/year>, the incorrect {$140.00} balance is still being reported to the credit bureaus. This misreporting has caused my credit scores to drop due to false utilization reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), XXXX and its issuing bank are required to report accurate information and promptly correct errors once notified. I request that the balance be corrected to {$0.00}, reflecting on-time payments and no revolving balance, and that XXXX confirm updates have been made with Equifax, XXXX XXXX XXXX Please provide written confirmation once the correction is comp
Frequently Asked Questions
What is Complaint #17109979 about?
Complaint #17109979 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 2025-11-07T12:00:00-05:00.
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.