Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11164640
Complaint Overview
Complaint ID: 11164640
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: Ohio
ZIP Code: 44136
Date Received: 2024-12-15T12:00:00-05:00
Date Sent to Company: 2024-12-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute an inaccurate entry on my credit report. According to my credit report, XXXX XXXX has listed certain accounts as charged off. However, I have concrete documentation proving that these loans are not in default, and this claim is false. This misinformation has caused undue harm to my credit score and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Ohio state laws. Details of the Disputed Accounts : Creditor : XXXX XXXX Account Number ( s ) : n/a Reported Status : Charged Off Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an account as charged off when it has not defaulted constitutes false reporting, which is prohibited under this law. Moreover, Ohios consumer protection laws also mandate that creditors and credit bureaus must report information fairly and accurately, per Ohio Revised Code Section 1345.02, which prohibits unfair and deceptive practices. Additionally, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the courts reinforced the obligation of credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information. Reporting a charge-off inaccurately violates this precedent and further illustrates a failure to uphold proper investigative standards. To support my dispute, I have attached the following documents : 1. A copy of my credit report highlighting the inaccurate entry. 2. Documentation proving that my XXXX XXXX loans are not in default. 3. [ Any additional evidence, such as account statements or correspondence with XXXX XXXX. ] I request that [ Credit Bureau Name ] investigate this matter promptly and delete the inaccurate charge-off entries from my credit report. Failure to address and correct this issue may leave me no choice but to seek legal remedies under the FCRA and Ohio consumer protection laws. I appreciate your attention to this matter and expect a written response within 30 days, as required by the FCRA. Thank you for your time and cooperation. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11164640 about?
Complaint #11164640 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 2024-12-15T12:00:00-05:00.
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.