Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10416626
Complaint Overview
Complaint ID: 10416626
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: Tennessee
ZIP Code: 37363
Date Received: 2024-10-10T12:00:00-05:00
Date Sent to Company: 2024-10-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Urgent Dispute of Reporting Account Not Verifiable as Debt NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to express my deep concern and formally dispute the reporting of an account that is currently impacting my life in significant and detrimental ways. This account, which is now considered income according to IRS guidelines, should not be reported as a debt. Which means this account should not appear on my credit report at all, as it is violating my consumer rights. Account name : XXXX XXXX XXXX Account number : # XXXX The continued Illegal and unfair reporting of this account has made my financial situation extremely difficult. I can not get approved for loans, credit, and even basic necessities, as this account casts a shadow over my creditworthiness. Under 15 U.S.C. 1666b, creditors can not report charges that can not be verified as legitimate debts. Additionally, 15 U.S.C. 1681 ( i ) ( a ) ( 5 ) requires that any unverifiable or inaccurate information be deleted from consumer credit reports. This account has profoundly affected my life. Due to the negative impact on my credit score, I have faced serious challenges, including periods of homelessness. Its hard to put into words how deeply this has affected menot just financially, but emotionally as well. The stress and degradation of my self-worth from dealing with this situation have been overwhelming. I never imagined that an unresolved account could lead to such dire consequences.
Frequently Asked Questions
What is Complaint #10416626 about?
Complaint #10416626 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 2024-10-10T12:00:00-05:00.
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.