Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4408193
Complaint Overview
Complaint ID: 4408193
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 75219
Date Received: 2021-05-26T12:00:00-05:00
Date Sent to Company: 2021-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. I have attached my credit report, the letter that I sent to Equifax, and their investigation results.
Frequently Asked Questions
What is Complaint #4408193 about?
Complaint #4408193 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-05-26T12:00:00-05:00.
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, credit repair services, 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.