Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17890431
Old Debt Reappears on Credit Report Despite Being Expired
Complaint Overview
Complaint ID: 17890431
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Arizona
ZIP Code: 85226
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The reappearance of old information on a credit report can negatively impact a consumer's credit score and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Outdated information
AI Analysis
CFPB complaint 17890431 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that old information reappeared on their Equifax credit report, which was closed with an explanation. The complaint was received on August 31, 2025 from Arizona. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for inaccuracies and dispute any incorrect or outdated information with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including rules on how long information can remain on a report.
Regulatory Insight
Credit reporting agencies must ensure the information they report is accurate and up-to-date, and promptly investigate disputes from consumers.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Arizona, consumers have rights under the FCRA to dispute inaccurate information on their credit reports.
Industry Comparison
This issue is common among credit reporting agencies, as outdated information can sometimes be mistakenly re-added or not properly removed.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17890431 about?
CFPB complaint 17890431 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Old information reappears or never goes away". This complaint was filed against EQUIFAX, INC. on August 31, 2025.
Which company is complaint 17890431 filed against?
Complaint 17890431 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.
What was the company's response to complaint 17890431?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17890431 filed?
Complaint 17890431 was received by the CFPB on August 31, 2025. It was sent to EQUIFAX, INC. on December 9, 2025.
What state was complaint 17890431 filed from?
Complaint 17890431 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 17890431?
Dispute information is not available for complaint 17890431.
What product category is complaint 17890431 about?
Complaint 17890431 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 17890431 submitted?
Complaint 17890431 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17890431?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including rules on how long information can remain on a report. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Incorrect information on your report".
How likely is complaint 17890431 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17890431?
This complaint is rated as medium risk. The reappearance of old information on a credit report can negatively impact a consumer's credit score and ability to obtain credit.
What regulatory actions apply to complaint 17890431?
Credit reporting agencies must ensure the information they report is accurate and up-to-date, and promptly investigate disputes from consumers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 17890431?
Consumers should regularly review their credit reports for inaccuracies and dispute any incorrect or outdated information with the credit reporting agency.
Are there state-specific protections for complaint 17890431?
In Arizona, consumers have rights under the FCRA to dispute inaccurate information on their credit reports. This complaint was filed from Arizona.
How does complaint 17890431 compare to industry norms?
This issue is common among credit reporting agencies, as outdated information can sometimes be mistakenly re-added or not properly removed.
What is the typical timeframe for information to remain on a credit report?
Generally, negative information like late payments can stay on a credit report for up to seven years, while bankruptcies can remain for up to ten years. However, old debts that are past their statute of limitations should not be reported as active.
What steps should a consumer take if old information reappears on their report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Equifax in this case) and provide any supporting documentation. If the agency fails to correct the error, the consumer may consider filing a complaint with the CFPB or seeking legal counsel.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.