Debt collection -- Took or threatened to take negative or legal action -- Complaint #11483317
Complaint Overview
Complaint ID: 11483317
Company: Equifax, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: North Carolina
ZIP Code: 27713
Date Received: 2025-01-11T12:00:00-05:00
Date Sent to Company: 2025-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.
Frequently Asked Questions
What is Complaint #11483317 about?
Complaint #11483317 was filed against Equifax, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-01-11T12:00:00-05:00.
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 (Debt collection) 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.