Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10915423
Complaint Overview
Complaint ID: 10915423
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: California
ZIP Code: 90222
Date Received: 2024-11-24T12:00:00-05:00
Date Sent to Company: 2024-11-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). The debt in question is as follows : 1. Account Name : XXXX XXXX XXXX Dated Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately. Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history. Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ). Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10915423 about?
Complaint #10915423 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 2024-11-24T12:00:00-05:00.
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.