Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11822504
Complaint Overview
Complaint ID: 11822504
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: 90262
Date Received: 2025-01-28T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Refusal to Pay Debt Collection Agency under 15 U.S.C. 1692c ( c ) Dear PORTFOLIO RECOVERY A, I am writing to formally notify you that I refuse to pay the debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), this letter serves as a formal notice to cease all communication with me regarding this alleged debt. Additionally, I dispute the validity of the alleged debt, and I request that you provide verification of the debt as required under 15 U.S.C. 1692g ( b ). If you are unable to provide sufficient documentation proving the legitimacy of the debt and my obligation to pay, you must cease reporting this account to any credit reporting agencies. If this account is currently reporting on my credit file, I demand its immediate removal as unverified accounts are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Failure to comply with these provisions may result in further legal action to enforce my consumer rights. Thank you for your immediate attention to this matter. Please provide written confirmation that you have ceased all collection efforts and removed any inaccurate reporting regarding this account. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11822504 about?
Complaint #11822504 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 2025-01-28T12:00:00-05:00.
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.