Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17278240
Complaint Overview
Complaint ID: 17278240
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: Virginia
ZIP Code: 229XX
Date Received: 2025-11-15T12:00:00-05:00
Date Sent to Company: 2025-11-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax is reporting inaccurate and misleading information on my credit report, and XXXX XXXX is furnishing incorrect data. This involves an XXXX XXXX account that was charged off in XXXX and closed in XX/XX/XXXX, but Equifax is reporting it as if a new delinquency or negative event occurred in XX/XX/XXXX. The account is a closed charge-off with no balance. No payments have been due since XXXX, and there has been no activity on this account since XXXX. My reports from XXXX and XXXX confirm this, showing no updates after XXXX XXXX and no XXXX activity. However, Equifax shows a Last Updated date of XX/XX/XXXX, which causes the account to appear as a recent late payment or newly delinquent event, even though no such activity occurred. A charged-off account can not legally have new delinquency because there are no payments due after charge-off. This Equifax update is factually false, misleading, and constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ), which prohibits furnishers from changing the Date of First Delinquency or making a negative event appear newer than it is. Equifax also violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy. This inaccurate XX/XX/XXXX reporting is harming my credit score, including my mortgage score, by making an old charge-off appear recent. Requested Resolution : I am requesting that Equifax and XXXX XXXX correct this inaccurate reporting by removing the false XX/XX/XXXX update and restoring the original charge-off timeline from XXXX. If Equifax or XXXX can not verify the accuracy of the reporting without re-aging the account, I am requesting that the account be deleted entirely from my Equifax report. XXXX and XXXX do not show this incorrect XX/XX/XXXX update, which further proves this is an XXXX reporting error. I am providing screenshots showing : Correct reporting from the other bureaus The inaccurate XX/XX/XXXX Equifax update The original dates of delinquency and closure That no XXXX late payments or activity ever occurred Thank you for your help in resolving this matter.
Frequently Asked Questions
What is Complaint #17278240 about?
Complaint #17278240 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 2025-11-15T12:00:00-05:00.
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.