Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11917328
Complaint Overview
Complaint ID: 11917328
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Illinois
ZIP Code: 60620
Date Received: 2025-02-03T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear TransUnion, I am writing to formally dispute the information you are reporting regarding the following debt : Account Name : XXXX XXXX XXXX Account Number : XXXX I believe this account is being reported inaccurately, and I request that you immediately delete this entry from my credit report. I am asserting that the debt has not been properly validated and that its reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Dispute Details I dispute the accuracy of this debt for the following reasons : 1. Failure to Validate the Debt : Under 15 U.S.C. 1692g, the debt collector is required to validate the debt by providing proof of the debt, including the name of the creditor, the amount owed, and the original account number. To date, I have not received the necessary debt validation. As such, the information provided by the debt collector is inaccurate and incomplete. 2. Failure to Follow Required Procedures for Reporting : Under 15 U.S.C. 1666b, a creditor may not report a payment as " late '' unless the creditor has sent a periodic statement to the consumer at least 21 days before the payment due date. If the creditor failed to follow this procedure, the debt is being inaccurately reported. I demand that you provide evidence that the creditor followed the proper reporting procedures before the debt was marked as late. 3. Violation of the FCRA : Under 15 U.S.C. 1681s-2, furnishers of information to CRAs are required to report accurate and complete information. The reporting of this debt by [ Debt Collector 's Name ] appears to be inaccurate, as they have failed to validate the debt and have not provided the necessary documentation to prove the debt 's legitimacy. As such, this constitutes a violation of their duties under the FCRA. Demand for Action Because this debt has not been properly validated and the information provided is inaccurate, I demand that you immediately delete this account from my credit report. Legal Violations : FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or incomplete information. FDCPA Violation : The debt collectors failure to validate this debt is a violation of 15 U.S.C. 1692g. Given these violations, you are legally prohibited from continuing to report this debt to any consumer reporting agencies. Failure to remove this inaccurate and incomplete information is causing significant harm to my credit and financial reputation. Deadline for Resolution You are required to investigate this dispute and correct the inaccurate information within 30 days of receiving this letter, as per the FCRA guidelines. Therefore, I request that this inaccurate account be deleted from my credit file within 10 business days from the receipt of this letter. Required Actions : Immediate deletion of the disputed account from my credit report. Written confirmation of the deletion once it has been processed. A copy of my updated credit report showing that the inaccurate account information has been removed. If this issue is not resolved promptly, I will not hesitate to pursue legal action, including seeking damages for willful violations under 15 U.S.C. 1681n and 15 U.S.C. 1681o ( FCRA ), as well as claims under the Fair Debt Collection Practices Act ( FDCPA ) for damages under 15 U.S.C. 1692k. Legal Actions If you fail to resolve this dispute in accordance with the law, I will pursue the following actions : Defamation of Character ( per se ) Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692k I expect your immediate attention to this matter and look forward to the prompt removal of the disputed information from my credit report. Sincerely, XXXXXXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11917328 about?
Complaint #11917328 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-03T12:00:00-05:00.
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.