Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10699581
Complaint Overview
Complaint ID: 10699581
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: Arkansas
ZIP Code: 71901
Date Received: 2024-11-05T12:00:00-05:00
Date Sent to Company: 2024-11-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Letter was sent to XXXX for debt validation after they would not and did not remove the collection according to FCRA guidelines. XXXX responded back stating the debt meet the requirements, but did not provide the process of how they validated the debt, nor the requested information sent in the letter, required by law. Subject : Debt Validation Request for Account XXXX Dear XXXX, I am writing to request validation of a debt reported on my credit report. The account in question is listed as follows : Creditor : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Collection Account Number Balance : Date Opened : XX/XX/year> The report indicates a consistent collection status since XX/XX/year>, and I dispute the accuracy of this information. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that the following be provided : Verification of the debt, including the original contract or agreement. Documentation showing that I am responsible for this debt. A detailed account of how the balance was calculated. Please consider this a formal dispute of the debt 's validity. I expect a response within 30 days of receipt of this letter, as required by the FDCPA. If the debt can not be validated, I request that it be removed from my credit report. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #10699581 about?
Complaint #10699581 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 2024-11-05T12:00:00-05:00.
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.