Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11442804
Complaint Overview
Complaint ID: 11442804
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 34758
Date Received: 2025-01-08T12:00:00-05:00
Date Sent to Company: 2025-01-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
CFPB This is new information to provide that the charge off recorded was applied after the settlement agreements. Subject : Submission of Additional Documents for Pending Complaint Regarding XXXX XXXX XXXX XXXX I am writing to submit additional documents related to my pending complaint regarding inaccuracies on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported as charge-offs. Both accounts were settled, and the balances reflected are erroneous. Despite numerous attempts to resolve this issue, I have received responses from your organization that lack proper investigation and fail to address the specific facts of my case. Details of the Complaint : XXXXXXXX XXXX XXXX Agreed to a settlement on XX/XX/year>, the same day the charge-off was incorrectly applied. This reflects negligence in accurately recording the settlement, as the account balance was resolved per the agreement. XXXX Account : Settled for a negotiated amount ; however, the charge-off status and balance have not been corrected to reflect the settled status. Concerns About Investigation Process : Your prior responses appear to rely on automated scripts or boilerplate language, failing to address the specifics of my complaint or the documents I have provided. Such actions not only fail to meet the requirements of the Fair Credit Reporting Act ( FCRA ), but they also demonstrate a lack of due diligence in investigating disputes. Legal Grounds for My Request : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum accuracy in consumer credit files. 15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information when notified of inaccuracies. 15 U.S.C. 1681s-2 ( a ) : Furnishers of information must report accurate data and correct any known inaccuracies. The inadequate responses I have received indicate a violation of these obligations, as the inaccurate information remains uncorrected despite clear evidence and multiple submissions.
Frequently Asked Questions
What is Complaint #11442804 about?
Complaint #11442804 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 2025-01-08T12:00:00-05:00.
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.