Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12500333
Complaint Overview
Complaint ID: 12500333
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: South Carolina
ZIP Code: 295XX
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete credit information on my credit report. I am concerned that you have included the following inaccurate details, and I demand that you verify the information under reasonable procedures to ensure maximum accuracy. Credit reporting agencies are required by law to report only 100 % accurate information. If the following items can not be verified as accurate, they must be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required to verify the accuracy of the information by providing physical proof of the original signed consumer contract. If no such proof exists, you must delete the account from my credit report immediately. Please send all responses via mail or email in a timely manner. I request verification of the following : A copy of the original signed consumer contract with my signature on it. Proof that the reported debt is valid and belongs to me. Additionally, the following accounts negatively impact my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me with a copy of the verifiable contract, please remove these accounts from my credit file immediately. XXXX ) EQUIFAX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) EXPERIAN * XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) TRANSUNION XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$530.00} ( Last Updated XX/XX/XXXX ) Since this information is inaccurate or unverifiable, I request that these accounts be deleted from my report immediately. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12500333 about?
Complaint #12500333 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 2025-03-15T12:00:00-05:00.
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.