Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12009772
Complaint Overview
Complaint ID: 12009772
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Tennessee
ZIP Code: 38127
Date Received: 2025-02-09T12:00:00-05:00
Date Sent to Company: 2025-02-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX Account Dear Equifax Representative, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX account as shown on my credit report. The discrepancies listed below violate several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I am requesting the deletion of this account. Disputed Account Details Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$1100.00} Date Opened : XX/XX/year> Reporting Bureau : Equifax Inaccuracies and FCRA Violations 1. Misclassification of Account Type ( Violation of FCRA 623 ( a ) ( 1 ) ) The account is reported as both an Open Account and a Collection account, which is inconsistent and misleading. Collections accounts should not be classified as open, as this inflates the debt-to-credit ratio and negatively impacts my credit score. Requested Action : Correct the classification to reflect the proper collection status or delete the account if validation fails. 2. Inconsistent Reporting of Payment Status ( Violation of FCRA 623 ( a ) ( 1 ) ) The payment status is listed as Late 120 Days, which conflicts with the collection status of the account. If the account is in collections, it should not have an additional late payment status. Requested Action : Correct the payment status to reflect the accurate status or delete the account if this discrepancy can not be verified. 3. Potential Incorrect Last Activity Date ( Violation of FCRA 623 ( a ) ( 1 ) ) The Date Last Active is shown as XX/XX/year>, but if no actual payments or recent activities have taken place, this date may be incorrect. Verifying the accuracy of this date is crucial, as incorrect activity dates can artificially extend the time the account remains on my credit report. Requested Action : Verify and correct the last activity date, or delete the account if accurate information can not be provided. 4. Failure to Validate Debt Ownership ( FCRA 611 ( a ) ) XXXX XXXX XXXX is a known debt purchaser, and it is possible that they do not have sufficient documentation to validate the debt. Requested Action : Provide verification of the debt ownership and accuracy of the reported balance. If proper documentation can not be provided, delete the account. CFPB Legal Precedent and Considerations Equifax has been subject to recent legal actions by the Consumer Financial Protection Bureau ( CFPB ) regarding failures to properly investigate disputes and report accurate information. These legal precedents emphasize the need to fully comply with the FCRA when handling disputes like mine. Requested Actions 1. Correction or Deletion of Account Classification : Correct the classification to properly reflect the collection status or delete the account if validation is not provided. 2. Correction of Payment Status : Ensure that the payment status accurately reflects the accounts current standing or remove the account if accurate reporting can not be achieved. 3. Verification and Correction of Last Activity Date : Verify and correct the Date Last Active to reflect accurate information or delete the account if it can not be properly verified. 4. Validation of Debt Ownership : Provide proper validation of the debt, including the original creditor and all supporting documentation. If validation can not be provided, remove the account. 5. Written Confirmation of Resolution : Provide a written response regarding the outcome of this investigation within the 30-day period required by FCRA 611 ( a ). Supporting Documentation Copies of credit reports highlighting the discrepancies Social Security Number Drivers License Failure to correct or remove the inaccurate information within the legally required timeframe may result in further escalation through the CFPB or legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12009772 about?
Complaint #12009772 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 2025-02-09T12:00:00-05:00.
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 (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.