Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Prepared For XXXX XXXX XXXX & confidential Date generated : XX/XX/XXXX At a glance XXXX Score XXXX XXXX XXXX Score XXXX XXXX  data XX/XX/XXXX XXXX Poor Fair Good Very Good Exceptional XXXX Account summary Open accounts XXXX Self-reported accounts XXXX Accounts ever late XXXX Closed accounts XXXX Collections XXXX Average account XXXX XXXX yrs XXXX mos Oldest account XXXX yrs XXXX mos Overall credit usage Chart Chart with XXXX data point. 
0 % The chart has XXXX Y axis displaying values. XXXX ranges from XXXX to XXXX. 
End of interactive chart. 
Credit used : {$0.00} Credit limit : {$0.00} Debt summary Credit card and credit line debt {$0.00} Self-reported account balance {$0.00} Loan debt {$0.00} Collections debt {$0.00} Total debt {$0.00} bureau-logo Prepared For XXXX XXXX generated : XX/XX/XXXX Personal information Name XXXX XXXX Also known as - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX, XXXX Employers CEO OF TOTAL Personal statements No statement ( XXXX ) present at this time bureau-logo Prepared For XXXX XXXX generated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Exceptionalpayment history {$0.00} Balance updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX  XXXX Account number XXXX Original creditor - Company sold - Account type Secured Card Date opened XX/XX/XXXX Open/closed Open Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Credit limit - Credit usage - Monthly payment {$0.00} Last Payment Date XX/XX/XXXX Highest balance {$390.00} Terms 1 Month Responsibility Individual Your statement - Payment history XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - Current / Terms met - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Comments- XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Exceptionalpayment history {$0.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Secured Card Date opened XX/XX/XXXX Open/closed Open Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Credit limit - Credit usage - Monthly payment {$0.00} Last Payment Date XX/XX/XXXX Highest balance {$17.00} Terms 1 Month Responsibility Individual Your statement - Payment history XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - Current / Terms met - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Comments- XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX Closed accounts XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Closed Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Secured Loan Date opened XX/XX/XXXX Open/closed Closed Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Original balance {$10000.00} Monthly payment - Last Payment Date XX/XX/XXXX Terms 120 Months Responsibility Individual Your statement - Payment history XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Current / Terms met XXXX Closed XXXX Past due 30 days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments- XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX history Closed Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Original balance {$22000.00} Monthly payment - Last Payment Date XX/XX/XXXX Terms 72 Months Responsibility Individual Your statement * * CONSUMER STATEMENT * * DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Payment history XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Closed - Data Unavailable Contact info Address XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Comments Completed investigation of FCRA dispute - consumer disagrees bureau-logo Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX payments Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Secured Loan Date opened XX/XX/XXXX Open/closed Closed Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Original balance XXXX XXXX Monthly payment - Last Payment Date XX/XX/XXXX Terms 24 Months Responsibility Individual Your statement - Payment history XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CLS XXXX - XXXX - Current / Terms met XXXX Closed XXXX Past due 30 days XXXX Past due 60 days - Data Unavailable Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments- XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX Collection accounts No collection accounts reported. 

bureau-logo Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX records No public records reported. 
bureau-logo Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiries reported. 
XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX Credit scores XXXX Score XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX score logo XXXX  XXXX XX/XX/XXXX Your score is below the average score of U.S. consumers XXXX though many lenders will approve loans with this score. 

What's helping No serious delinquency There is no evidence of a serious delinquency ( 90 days past due or greater ) or derogatory indicator on your credit report. 
Number of your accounts that were ever 90 days late or worse : XXXX accounts Virtually no FICO High Achievers have a 90 days late payment or worse listed on their credit report. 
The presence of delinquencies or derogatory indicator in a credit report is a powerful predictor of future payment risk. People with no previous late payments are much more likely to pay on time in the future. 
Not seeking credit You're not actively looking for credit. 
Your applications for credit in the past year : XXXX inquiries About 78 % of XXXX High Achievers did not apply for credit in the past year.

Each time a person applies for credit, a credit inquiry is usually added to your credit report. Your credit report shows relatively few or no recent credit inquiries, which indicates that you are not actively looking for credit. People who are actively seeking credit pose more of a risk to lenders than those who are not. 
What's hurting Short account history You have a short credit history. 
Your oldest account was opened : 5 Years, 6 Months ago XXXX High Achievers opened their oldest account 26 years ago, on average.

Average age of your accounts : 3 Years, 6 Months Most FICO High Achievers have an average age of accounts of 10 years or more. 
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low. 
Lack of recent revolving information There is insufficient or no recent activity on revolving and/or open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open revolving and/or open-ended accounts or sufficient recent information about your revolving and/or open-ended accounts. People who demonstrate responsible use of different types of credit, including revolving accounts, are generally less risky to lenders. 
Bad payment history You have one or more accounts showing missed payments or derogatory indicators. 
Number of your accounts with a missed payment or derogatory indicator : 2 accounts About 99 % of XXXX High Achievers have no missed payments at all. But of those who do, the missed payment happened more than 4 years ago, on average. 
The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and how recently they occurred, are correlated with future credit risk. Your FICO Score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported. As the number of accounts with delinquency or derogatory indicators decreases, they have less impact on a FICO Score. 
Lack of recent credit card information There is insufficient or no recent activity on credit cards and/or bank-issued open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open credit cards and/or bank-issued open-ended accounts or sufficient recent information about your credit cards and/or bank-issued open-ended accounts. People who demonstrate responsible use of different types of credit, including credit cards, are generally less risky to lenders. 
XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Score XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX XXXX Score XXXX XXXX  data XX/XX/XXXX This is a XXXX Score version that is customized for credit card lending. Many credit card issuers use this version when pulling your credit report based on XXXX data. 

What's hurting Short account history You have a short credit history. 
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low. 
Lack of recent revolving information There is insufficient or no recent activity on revolving and/or open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open revolving and/or open-ended accounts or sufficient recent information about your revolving and/or open-ended accounts. People who demonstrate responsible use of different types of credit, including revolving accounts, are generally less risky to lenders. 
Lack of recent credit card information There is insufficient or no recent activity on credit cards and/or bank-issued open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open credit cards and/or bank-issued open-ended accounts or sufficient recent information about your credit cards and/or bank-issued open-ended accounts. People who demonstrate responsible use of different types of credit, including credit cards, are generally less risky to lenders. 
Bad payment history You have one or more accounts showing missed payments or derogatory indicators. 
The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and how recently they occurred, are correlated with future credit risk. Your FICO Score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported. As the number of accounts with delinquency or derogatory indicators decreases, they have less impact on a FICO Score. 
XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Score XXXX XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX Score XXXX XXXX data XX/XX/XXXX This is a previous XXXX Score version used primarily in credit card lending. It may also be used by some lenders for other credit product application evaluations ( such as credit cards, personal loans, retail credit, student loans, etc. ).

What's hurting New account You opened a new credit account relatively recently. 
The FICO Score considers how recently a new credit account was opened. People who recently opened a credit account are generally more risky to lenders compared to people with no recently opened accounts. 
Lack of recent credit card information There is insufficient or no recent activity on credit cards and/or bank-issued open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open credit cards and/or bank-issued open-ended accounts or sufficient recent information about your credit cards and/or bank-issued open-ended accounts. People who demonstrate responsible use of different types of credit, including credit cards, are generally less risky to lenders. 
Short account history You have a short credit history. 
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low. 
Lack of recent revolving information There is insufficient or no recent activity on revolving and/or open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open revolving and/or open-ended accounts or sufficient recent information about your revolving and/or open-ended accounts. People who demonstrate responsible use of different types of credit, including revolving accounts, are generally less risky to lenders. 
XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Score XXXX XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX XXXX XXXX XXXX XXXX data XX/XX/XXXX This is a previous XXXX Score version that is customized for credit card lending. Many credit card issuers use this version when pulling your credit report based on Experian data. 

What's hurting Bad payment history You have one or more accounts showing missed payments or derogatory indicators. 
The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and how recently they occurred, are correlated with future credit risk. Your FICO Score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported. As the number of accounts with delinquency or derogatory indicators decreases, they have less impact on a FICO Score. 
Lack of recent credit card information There is insufficient or no recent activity on credit cards and/or bank-issued open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open credit cards and/or bank-issued open-ended accounts or sufficient recent information about your credit cards and/or bank-issued open-ended accounts. People who demonstrate responsible use of different types of credit, including credit cards, are generally less risky to lenders. 
Short account history You have a short credit history. 
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low. 
Lack of recent revolving information There is insufficient or no recent activity on revolving and/or open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open revolving and/or open-ended accounts or sufficient recent information about your revolving and/or open-ended accounts. People who demonstrate responsible use of different types of credit, including revolving accounts, are generally less risky to lenders. 
XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Score XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX Score XXXX XXXX data XX/XX/XXXX This is a previous XXXX Score version used primarily in mortgages lending. It may also be used by some lenders for other credit product application evaluations ( such as credit cards, personal loans, retail credit, student loans, etc. ).

What's hurting Bad payment history You have one or more accounts showing missed payments or derogatory indicators. 
The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and how recently they occurred, are correlated with future credit risk. Your FICO Score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported. As the number of accounts with delinquency or derogatory indicators decreases, they have less impact on a FICO Score. 
Lack of recent credit card information There is insufficient or no recent activity on credit cards and/or bank-issued open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open credit cards and/or bank-issued open-ended accounts or sufficient recent information about your credit cards and/or bank-issued open-ended accounts. People who demonstrate responsible use of different types of credit, including credit cards, are generally less risky to lenders. 
Short account history You have a short credit history. 
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low. 
Lack of recent revolving information There is insufficient or no recent activity on revolving and/or open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open revolving and/or open-ended accounts or sufficient recent information about your revolving and/or open-ended accounts. People who demonstrate responsible use of different types of credit, including revolving accounts, are generally less risky to lenders. 
XXXX Prepared For XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Auto Score XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX Auto Score XXXX XXXX data XX/XX/XXXX This is a previous XXXX Score version customized for auto lending. Many banks, auto dealers and other lenders use this version when pulling your credit report based on Experian data. 

What's hurting Bad payment history You have one or more accounts showing missed payments or derogatory indicators. 
The presence of missed and late payments or derogatory indicators on a credit report, including the number of late payments, how late they were and how recently they occurred, are correlated with future credit risk. Your FICO Score was lowered due to the number of missed and late payments and/or accounts with derogatory indicators reported. As the number of accounts with delinquency or derogatory indicators decreases, they have less impact on a FICO Score. 
Short account history You have a short credit history. 
People with longer credit histories who infrequently open new accounts generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low. 
Lack of recent non-mortgage loan information You have a lack of recent activity from a non-mortgage installment loan. 
Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. 
Lack of recent credit card information There is insufficient or no recent activity on credit cards and/or bank-issued open-ended accounts. 
The FICO Score evaluates the mix of credit cards, loans and mortgages on a credit report. Your credit report shows no open credit cards and/or bank-issued open-ended accounts or sufficient recent inf

Company response to consumer: Closed with non-monetary relief