Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17152750
Complaint Overview
Complaint ID: 17152750
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: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75088
Date Received: 2025-11-10T12:00:00-05:00
Date Sent to Company: 2025-11-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint as a consumer who has carefully reviewed my credit report and identified inaccurate and harmful reporting that is negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, I have the right to dispute any inaccurate information and to have disputed accounts investigated to ensure maximum possible accuracy. Despite this, several accounts reported by DPT EDXXXX continue to appear inaccurately on my credit file. The specific accounts in question are as follows : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1400.00}, DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$3200.00}, and DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$3200.00}. These accounts contain incorrect reporting information that misrepresents my payment history and financial responsibility. The inaccuracies make it appear as though I have missed or defaulted on payments when, in reality, I have consistently managed my obligations responsibly and maintained a strong record of timely payments. These errors have caused significant harm to my credit profile and overall financial standing by lowering my credit score and creating a false representation of my credit behavior. This failure to maintain accurate reporting and to correct previously disputed inaccuracies constitutes a violation of FCRA 1681e ( b ) and 1681i, which require consumer reporting agencies to ensure maximum possible accuracy and to promptly reinvestigate disputed information.
Frequently Asked Questions
What is Complaint #17152750 about?
Complaint #17152750 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 2025-11-10T12:00:00-05:00.
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.