Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reviewed my Equifax credit file and found several accounts reported inaccurately, with conflicting dates, statuses, and amounts. I disputed these items in writing and requested the method of verification and corrective action. Equifax either verified the items without providing adequate detail on how verification was performed or left contradictory data in place. The inaccuracies are harming my creditworthiness and access to fair credit. ( All details below come from my Equifax file and dispute materials. ) Disputed Accounts and Issues XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Issue : The reporting reflects severe delinquency codes and adverse statuses that are not accurate and/or are unsupported by documentation. The data appears internally inconsistent ( e.g., high balance {$0.00} vs. large current balance ) and lacks clear payment history substantiation. 

Requested relief : Delete the inaccurate derogatory markers and correct all fields to reflect accurate payment history and statusor delete the tradeline if accuracy can not be certified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reported facts : Balance {$62000.00} ; CollectionOrChargeOff ; Opened XXXX ; Date of Last Activity XXXX ; Last Verified XXXX. 

Issue : The XXXX status and amount are inaccurate. Dates appear incorrect, and Equifax has not provided the method of verification supporting this negative status or the amount claimed. 

Requested relief : Remove the charge-off/collection status and any associated derogatory codes and correct dates/amountsor delete if unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reported facts : Balance {$7000.00} ; CollectionOrChargeOff ; Opened XXXX ; XXXX XXXX ; Last Verified XXXX. 

Issue : Same as above : the charge-off designation and amount are inaccurate, dates are questionable, and method of verification has not been provided. 

Requested relief : Delete or correct to fully accurate, verifiable data ; remove derogatory coding if unsupported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported facts : Amount {$720.00} ; CollectionOrChargeOff ; Opened XXXX ; XXXX XXXX ; Last Verified XXXX ; Loan Type : FactoringCompanyAccount. 

Issue : Amount and status are inaccurate ; dates conflict ; classification as a factoring account is questionable for a consumer credit card debt and can be misleading. No sufficient verification was provided. 

Requested relief : Delete the tradeline or correct all fields to accurate, non-misleading values supported by documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Reported facts : Account Status Closed, Payment Status NoDataAvailable, yet Highest Adverse Rating : CollectionOrChargeOff ; Opened XXXX ; Last Verified XXXX. 

Issue : The file simultaneously reflects Closed with XXXX and a top-level adverse code of XXXX, which is inconsistent and misleading. 

Requested relief : Remove any adverse coding if the account is closed with no delinquent balance and ensure the status reads clearly and accurately. 

( All facts and dates above are taken directly from my Equifax file and dispute materials. ) Legal Concerns 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation and, upon request, disclosure of the method of verification including the furnisher ( XXXX ) contacted and what was reviewed. 

When a CRA reports data that is inconsistent, misleading, or can not be verified, it must be corrected or deleted. 

These errors have depressed my credit scores and impaired my ability to obtain credit on fair terms. The contradictory and derogatory codes create a misleading picture of my creditworthiness, potentially affecting employment, housing, and insurance decisions. 

Requested CFPB Action

Company response to consumer: Closed with non-monetary relief