Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17265662
Complaint Overview
Complaint ID: 17265662
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Illinois
ZIP Code: 60411
Date Received: 2025-11-14T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, I am filing a formal complaint against the following entities for furnishing false, inconsistent, and unverifiable credit information to the nationwide credit reporting agencies, as well as for failing to correct these errors after I submitted formal disputes : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Equifax XXXX Despite following the proper dispute process with the credit bureaus under FCRA 611, both creditors and the credit bureaus verified inaccurate information without providing evidence, documentation, or correction, in violation of the Fair Credit Reporting Act and Metro 2 standards. I am requesting the CFPBs assistance in compelling the furnishers and bureaus to correct or delete the inaccurate data immediately. PART 1 XXXX XXXX ( Account Ending XXXX ) Summary of Violations 1. Illegal Unknown payment history reporting for 4+ years The account reports XXXX / unknown for every month from XXXX. This violates : FCRA 607 ( b ) accuracy requirement FCRA 602 ( A ) data must be complete Metro 2 standards unknown is not a permissible monthly payment code on a closed charge-off account This alone is grounds for deletion. 2. Contradictory and impossible account status The account reports : Paid in Full / Was a Charge-off AND Settled for Less Than Full Balance Both can not be simultaneously true. Violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) information must be consistent 3. Credit limit and high balance both reported as {$0.00} This is factually wrong for a revolving credit card and misleads scoring algorithms. Violates : FCRA 609 ( a ) ( 2 ) full itemization must be available Metro 2 data fields for revolving tradelines 4. Payment history continues years after account closure The account was closed in XX/XX/XXXX, yet monthly history continues through XX/XX/XXXX. Violates : FCRA 623 ( a ) ( 2 ) duty to update information accurately Metro 2 closed-account reporting rules Requested CFPB Action for XXXX I request that the CFPB compel XXXX XXXX to either : Produce documentation proving the accuracy of : Payment history Status codes High balance Credit limit Closed date and updated date OR Immediately delete the account from all three credit bureaus for unverifiable and contradictory reporting. PART 2 XXXX Bank XXXX / XXXX ( Account Ending XXXX ) Summary of Violations 1. Balance exceeds credit limit Reported : Balance : {$590.00} Limit : {$500.00} This violates : Metro 2 revolving charge-off requirements FCRA 607 ( b ) accuracy A creditor may only report a balance higher than the limit if itemized contractual fees are documented, which XXXX Bank has not provided. 2. Account Date Updated reaging the debt The Date Updated shows : XX/XX/XXXX, despite last payment being : XX/XX/XXXX This artificially extends negative activity and misrepresents the accounts timeline. Violates : FCRA 623 ( a ) ( 2 ) reaging prohibition FCRA 611 ( a ) failure to reinvestigate properly 3. High balance reported for years after account closure XXXX Bank reports a high balance from XXXX, even though the account was closed in XXXX, which is impossible. Violates : FCRA 623 ( a ) accuracy Metro 2 compliance rules 4. Missing and incomplete payment history Payment history is absent for several years, which makes the reporting incomplete and misleading. Violates : FCRA 602 ( A ) FCRA 607 ( b ) Metro 2 completeness standard Requested CFPB Action for XXXX Bank I request that the CFPB require XXXX Bank to : Provide verifiable documentation of : Actual balance at charge-off Itemized fees Accurate dates Complete payment records OR Delete the account in full for supplying unverifiable and incomplete information. PART 3 Failures by XXXX, Equifax, and XXXX All three credit bureaus verified the disputed information without providing any supporting documentation, which violates : FCRA 611 ( a ) ( 1 ) ( A ) reinvestigation requirement FCRA 611 ( a ) ( 6 ) ( B ) required to disclose Method of Verification FCRA 607 ( b ) must ensure maximum possible accuracy The bureaus have adopted the creditors incorrect data without conducting a real investigation.
Frequently Asked Questions
What is Complaint #17265662 about?
Complaint #17265662 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 2025-11-14T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.