Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11033135
Complaint Overview
Complaint ID: 11033135
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: Texas
ZIP Code: 75126
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the deletion of a XXXX XXXX charge off account from my XXXX credit report, which was originally disputed by me. The dispute investigation was concluded on XX/XX/year>, and XXXX has confirmed that the account was completely deleted from my XXXX credit file. As a result of this deletion, I believe this account is now considered unverifiable by XXXX, and I am requesting that you promptly remove this account from my credit report as well. I am entitled to accurate and complete information on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by a credit reporting agency must be accurate, timely, and verifiable. Legal Rights : 1. FCRA Section 1681i : Under the FCRA, you are required to ensure that any information you report to credit bureaus is accurate and complete. If an account is found to be unverifiable, as in this case, it must be removed from the credit report. 2. F CRA Section 1681e ( b ) : You must maintain procedures to ensure the accuracy of the information you report. If an item is not verified or is inaccurate, it should be deleted or corrected within 30 days from the time of dispute. 3. Right to Sue : If this account is not removed or corrected within 30 days of receipt of this notice, I reserve the right to take legal action under the FCRA, which could include filing a lawsuit for violations related to the failure to remove inaccurate or unverifiable information. This can result in claims for actual damages, punitive damages, and attorney fees. I expect that, in light of the XXXX deletion, you will proceed with removing this account from my credit report within 30 days of receiving this letter. Please confirm in writing when the account has been removed or provide any supporting documentation that indicates why the account has not been deleted. Failure to comply with the FCRA and resolve this matter in a timely manner will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and exercising my legal right to seek compensation. Thank you for your immediate attention to this matter. I expect a resolution within the legal timeframe, and I will be closely monitoring my credit reports for compliance.
Frequently Asked Questions
What is Complaint #11033135 about?
Complaint #11033135 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 2024-12-04T12:00:00-05:00.
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.