Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12734230
Complaint Overview
Complaint ID: 12734230
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: Wisconsin
ZIP Code: 53213
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding an unverifiable collection account being reported to my Equifax credit report under the name " XXXX at XXXX XXXX XXXX '' The collection account is listed with an internal agency ID XXXX XXXX, but no contact information or collection agency name has been provided on my credit report. I have made multiple good-faith attempts to obtain the name and mailing address of the collection agency from the original creditor, XXXX at XXXX XXXX XXXX XXXX On XX/XX/year>, I sent an official written request to XXXX at XXXX XXXX XXXX, asking them to provide the agency 's name and contact information so I could properly validate and dispute this debt. As of today, XX/XX/year>, they have failed to respond to my request. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute and validate debts reported to my credit file. The failure of the original creditor and Equifax to provide verifiable information prevents me from exercising my rights. I am requesting the Consumer Financial Protection Bureau require Equifax and/or XXXX at XXXX XXXX XXXX XXXX XXXX : Provide full verification and contact information of the collection agency reporting this debt, or Delete this unverifiable collection account from my credit report immediately. I have attached copies of the letters I sent to XXXX, along with proof of their non-response.
Frequently Asked Questions
What is Complaint #12734230 about?
Complaint #12734230 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 2025-03-30T12:00:00-05:00.
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.