Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10608083
Complaint Overview
Complaint ID: 10608083
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: Missouri
ZIP Code: 640XX
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : This letter is being sent in response to inaccurate and damaging information reported to the Credit Bureaus by XXXX XXXX XXXX regarding my account, causing significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. The information currently reported on my credit file with Equifax, XXXX, and XXXX includes the following inaccuracies : Account Number : XXXX Open Date : XX/XX/year> Loan Amount : {$15000.00} ( This amount is incorrect. ) Status : Reported with late and derogatory information This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION under the Fair Credit Reporting Act. I respectfully request that you provide competent evidence that I have any legal obligation to pay you regarding this account. Please note that my vehicle was stolen, and my claim with XXXX XXXX is still open under Claim No. XXXX. XXXX is currently assessing the situation, and no final determination has been made. XXXX XXXX XXXX never contacted me after they took possession or repossession of the vehicle. When my vehicle was recovered, XXXX discarded my personal belongings valued at approximately {$30000.00}, which included irreplaceable items. Given that XXXX failed to notify me, and this claim is unresolved with XXXX, I am requesting that all negative and derogatory information be removed from my credit report immediately. Please provide me with : 1. Documentation of the debt, including the correct amount, as the original loan amount reported is inaccurate. If your offices can provide proper documentation as requested, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Furthermore, if any actions are taken that could further impact my credit negatively during this validation period, I will consult my legal counsel for possible action. This includes listing or verifying inaccurate information with any credit reporting agency, especially without proof. I also request, in writing, that no telephone contact be made by XXXX to my home or place of employment. If XXXX or its representatives attempt to contact me via phone, including automated calls or calls to any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be conducted in writing and sent to the address noted in this letter by USPS. It is advisable that XXXX ensures its records are accurate and corrected before I am forced to pursue legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #10608083 about?
Complaint #10608083 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 2024-10-28T12:00:00-05:00.
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.