Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11492033
Complaint Overview
Complaint ID: 11492033
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: Delaware
ZIP Code: 19720
Date Received: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the immediate deletion of an inaccurate and unverifiable account from my Equifax credit report. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open, Derogatory Upon review of this account, I have identified several inaccuracies and legal violations under the Fair Credit Reporting Act ( FCRA ). These errors have caused significant harm to my credit profile and require immediate resolution. 1. Contradictory and Unverifiable Information Account Type : Listed as " Collection, '' yet the account is marked as " Open '' with a status of " Derogatory. '' Creditor Type : Identified as " Factoring Companies, '' typically third-party debt collectors, but no original creditor information is provided ( " -- '' ). Under FCRA Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. The contradictions in this account 's status and missing information render it unverifiable. 2. Outdated Payment Status Reporting The account reports a " Late 120 Days '' payment status as of XX/XX/XXXX, yet it continues to appear as " Open '' on my report with no activity since then. This violates : FCRA Section 1681c ( a ) ( 4 ), which limits the reporting of adverse information ( e.g., late payments ) to seven years from the date of delinquency. FCRA Section 1681s-2 ( b ), which requires furnishers to update and correct information in a timely manner. 3. Dispute Notation is Misleading The account includes the remark, " Consumer disputes this account information, '' yet there is no record of resolution or verification provided. Under FCRA Section 1681i ( a ) ( 1 ) ( A ), disputed accounts must be investigated within 30 days, and any unverifiable information must be deleted. FCRA Section 1681i ( a ) ( 5 ) ( A ) mandates that unverifiable accounts be removed from the consumer 's report. 4. Date Inconsistencies Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These dates are contradictory and suggest either inaccurate reporting or fraudulent account activity. Per FCRA Section 1681e ( b ), this must be rectified, or the account must be deleted. 5. Unverifiable Collection Account The account is labeled as a " Collection '' with no original creditor listed and no validation provided. This violates : FCRA Section 1681s-2 ( b ), which requires furnishers to verify the accuracy of collection accounts. FDCPA Section 809 ( b ), which mandates that debt collectors validate the debt upon request. As the account remains unverifiable and inaccurate, it must be permanently removed from my report.
Frequently Asked Questions
What is Complaint #11492033 about?
Complaint #11492033 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 2025-01-12T12:00:00-05:00.
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.