Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10725222
Complaint Overview
Complaint ID: 10725222
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Georgia
ZIP Code: 30102
Date Received: 2024-11-06T12:00:00-05:00
Date Sent to Company: 2024-11-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : **Immediate Removal of Fraudulent Accounts from Credit Report** I am writing to demand the immediate removal of all fraudulent accounts appearing on my credit report. Under both state and federal laws, these erroneous listings are unlawful and constitute a violation of my rights. I have provided IRS Form 1099-C and 1099-A documents, which confirm the IRS has recognized and discharged these debts, eliminating any basis for the debts to be reported. Please note the following applicable legal standards : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** This law requires that credit reporting agencies maintain only accurate and verifiable information. Reporting a discharged debt, especially after official IRS confirmation, is considered a breach of the FCRA, and any failure to remove this erroneous data will constitute a willful violation of this statute. 2. **Truth in Lending Act ( TILA ) 15 U.S.C. 1601** The TILA mandates that lenders provide clear evidence of debt obligation, which must include a signed promissory note or security instrument. There is no signed instrument demanding payment or security instrument by me, XXXX XXXX, to validate these debts. Therefore, there is no enforceable debt, and continued reporting of these accounts violates federal standards. 3. **Uniform Commercial Code ( UCC ) 9-102 ( a ) ( 23 ) ** Under the UCC, a car is classified as a " consumer good '' when used for personal purposes. Lenders or third-party collectors can not claim the status of an unsecured consumer debt as a basis for collection activities or credit reporting without clear, enforceable documentation. 4. **Prohibition Against " XXXX '' and Harassment** Any continuation of these misrepresentations could be construed as targeted harassment or " doxing. '' By sharing incorrect financial data, you are exposing me to unnecessary reputational damage, further violating my right to privacy and putting me at risk. This creates a cause of action under both state privacy laws and certain anti-harassment statutes. Since you can not present a signed demand or security instrument for these accounts, any further misrepresentation on my credit report is not only unlawful but actionable. Under federal law, you are required to correct all inaccuracies within 30 days of receiving notice. If you fail to comply, I will take all necessary legal steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any applicable state authorities. Furthermore, in accordance with 15 U.S.C. 1681n, I will pursue statutory damages, attorney 's fees, and punitive damages should any party attempt to persist in this illegal reporting. To avoid this, you must provide written confirmation within 30 days that the erroneous items have been removed from my credit report. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10725222 about?
Complaint #10725222 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 2024-11-06T12:00:00-05:00.
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.