Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10589697
Complaint Overview
Complaint ID: 10589697
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: Maryland
ZIP Code: 20745
Date Received: 2024-10-26T12:00:00-05:00
Date Sent to Company: 2024-10-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account Name : XXXX XXXX Account # : XXXX I am writing to formally dispute an inaccurate charge-off entry on my credit report. This error violates both federal regulations under 12 CFR 1026.11 and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer laws. I request that Equifax take immediate action to delete this inaccurate charge-off entry from my credit report. Consumer Laws Violated : 1. 12 CFR 1026.11 ( Credit Reporting Accuracy and Integrity ) : According to this regulation, consumer reporting agencies must ensure that all information furnished is accurate, complete, and up to date. The continued presence of this incorrect charge-off, which does not reflect my true credit status, demonstrates a lack of accuracy and integrity in reporting. 2. Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) : This section entitles me to have accurate and complete information on my credit report. The presence of a charge-off that is inaccurate is a violation of this right, as it misrepresents my creditworthiness to lenders. 3. FCRA Section 611 ( a ) ( 1 ) ( A ) : Under this section, Equifax is obligated to investigate and correct or delete any information that is found to be inaccurate or unverifiable. Failure to delete this charge-off is a breach of this duty. 4. Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 10 ) : Any representation of incorrect information, including an inaccurate charge-off, misleads and can deceive potential creditors regarding my true financial position. Equifax also does not have an account number listed this is a violation of FCRA. How are you able to validate or verify account information when you dont have an account # to match to me.
Frequently Asked Questions
What is Complaint #10589697 about?
Complaint #10589697 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 2024-10-26T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.