Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11392100
Complaint Overview
Complaint ID: 11392100
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 90503
Date Received: 2025-01-05T12:00:00-05:00
Date Sent to Company: 2025-01-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute Regarding National Credit Adjusters, Reporting** Dear Equifax Disputes Team, I am writing to dispute the accuracy and validity of an account reported by ( national credit adjusters ) on my credit report. This account was previously deleted, but national credit adjusters has re-reported it with altered information, including a new lender name and amount. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information verify the accuracy of reported data. Key Issues with national credit adjusters reporting : 1. **Previously Deleted Account** : The account was removed from my credit report in the past due to national credit adjusters failure to validate it. 2. **Altered Information** : national credit, adjusters has now re-reported the account, changing the name of the alleged lender and the amount owed without any explanation or documentation. 3. **Failure to Validate** : Despite my prior disputes and requests, national credit adjuster, has not provided the original purchase agreement or any other documentation proving the validity of the debt, as required under 15 U.S.C. 1681g and 1681i. My Requests to Equifax : 1. **Investigation** : As required under 15 U.S.C. 1681i, I request that you conduct a thorough investigation into this account, specifically requiring national credit adjusters. 1. to produce the original purchase agreement or other supporting documentation to validate the debt. 2. **Account Deletion** : If national credit adjusters can not provide verifiable documentation, the account must be permanently deleted from my credit report under 15 U.S.C. 1681e ( b ). 3. **Results of Investigation** : Please provide me with all documents, communications, and details of your investigation, as required by law. Request for CFPB Involvement : Given national credit adjusters, repeated violations, including altering account information and re-reporting unverifiable debts, I am requesting that this matter be referred to the Consumer Financial Protection Bureau ( CFPB ) for further investigation. National credit adjusters actions may constitute violations of the FCRA and could warrant enforcement measures under 15 U.S.C. 1681s. Additional Notes : This dispute is being monitored closely. Failure to address these issues in compliance with federal law within the 30-day timeframe specified under 15 U.S.C. 1681i will result in further action, including additional complaints to the CFPB and potential legal remedies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX social Security XXXX
Frequently Asked Questions
What is Complaint #11392100 about?
Complaint #11392100 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-01-05T12:00:00-05:00.
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.