Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11681441
Complaint Overview
Complaint ID: 11681441
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: 91367
Date Received: 2025-01-20T12:00:00-05:00
Date Sent to Company: 2025-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute Unauthorized Reporting of Negative Collections To Whom It May Concern, I am writing to formally dispute the reporting of the following collections on my credit report : XXXX XXXX XXXX XXXX I have never provided consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these entities to report negative collections on my credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are required to have a permissible purpose to include information on a consumer 's report. The inclusion of these collections without my explicit consent violates this standard. Additionally, based on my investigation, these entities are not licensed to collect debts in the state of Arizona. Per state regulations, debt collectors must be properly licensed to legally operate and pursue collection activities. Reporting accounts from unlicensed entities fails to comply with both state law and the FCRA 's mandate for accuracy and verifiability ( 15 U.S.C. 1681e ( b ) ). As such, I formally request the following actions : Immediate Deletion of the Accounts : Permanently remove these collections from my credit reports with Equifax, XXXX, and XXXX, as they lack a permissible purpose and are being reported by unlicensed entities. Written Confirmation : Provide written confirmation of the deletion of these accounts from my credit reports. Verification of Reporting : If you believe these accounts can be lawfully reported, provide evidence of permissible purpose and documentation confirming these entities licensure to collect in Arizona. Failure to comply with this request within the legally required timeframe of 30 days, per 15 U.S.C. 1681i, will necessitate further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. I appreciate your immediate attention to this matter and look forward to your confirmation of the requested actions. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11681441 about?
Complaint #11681441 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 2025-01-20T12:00:00-05:00.
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.