Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17815305
Complaint Overview
Complaint ID: 17815305
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: Florida
ZIP Code: XXXXX
Date Received: 2025-12-07T12:00:00-05:00
Date Sent to Company: 2025-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because multiple companies are reporting inaccurate, unverifiable, and incomplete information on my consumer credit file. Despite my disputes and requests for validation, these furnishers and credit bureaus have failed to provide documentation required under the Fair Credit Reporting Act ( FCRA ). The negative accounts appearing on my credit file include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection agency ) These accounts are being reported inaccurately and without proper validation as required under FCRA 602, 611, and 623. Several accounts show incorrect balances, past-due amounts, dates of first delinquency, and derogatory statuses that do not match my records. Some inquiries are unauthorized. I submitted disputes directly to the credit bureaus and furnisher creditors, including a notarized Affidavit of No Dispute, requesting : Verification of all negative items Original contracts Complete ledgers Proof of ownership Accurate balance and reporting history To date, none of the furnishers have provided complete, legally required validation. Several items remain unverifiable, incomplete, or inaccurate, and therefore must be deleted under FCRA 611 ( a ).
Frequently Asked Questions
What is Complaint #17815305 about?
Complaint #17815305 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 2025-12-07T12:00:00-05:00.
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.