Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12987245
Complaint Overview
Complaint ID: 12987245
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 752XX
Date Received: 2025-04-14T12:00:00-05:00
Date Sent to Company: 2025-04-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX, and IRS reporting obligations. Complaint Summary : An account originally held by XXXX XXXX XXXX XXXX was allegedly transferred to XXXX XXXX XXXX, who is now attempting to collect a debt that is currently marked as closed on my credit report. My prior dispute submitted to TransUnion was denied without providing me a legal method of verification or the documentation required by law. Key Issues : 1. Unverified and Improper Debt Collection : TransUnion marked this dispute resolved on XX/XX/XXXX, without conducting a proper reinvestigation ( Dispute ID : XXXX ). I never received a 1099-C cancellation of debt form, which is required by law for any cancelled or charged-off debts over {$600.00}. No original signed documentation has been presented to prove I authorized XXXX XXXX XXXX to collect on this account. 2. Contradictory Reporting : Although the account appears as closed, XXXX sent me a notice dated XX/XX/XXXX, offering to settle for {$650.00} or through payment plans. This contradiction shows ongoing collection activity on what is reported as a closed tradeline, a deceptive and misleading practice. 3. Violations of Federal and XXXX Law : 15 U.S. Code 1692c ( c ) : Continued contact without proper debt validation. 15 U.S. Code 1692e ( b ) : Inaccurate and misleading credit reporting. 15 U.S. Code 1681i ( a ) : TransUnion failed to reinvestigate properly. 15 U.S. Code 6802 : Unauthorized handling of my financial information. XXXX XXXX XXXX XXXX & XXXX : Failure to correct false credit information and use of deceptive means to collect. 4. Method of Verification Ignored : I requested full method of verification, including : Who verified the debt, and what documentation was used. Whether I ever gave legal consent for XXXX to collect this debt. What legal authority XXXX has to collect debt in XXXX. Requested Action : I respectfully request that the CFPB : Investigate the false, inaccurate, and unverified reporting by XXXX and TransUnion. Order TransUnion to remove the disputed tradeline unless verified with signed, original documentation. Enforce compliance with the IRS, FCRA, FDCPA, and XXXX XXXX XXXX. Require TransUnion to disclose exactly what verification process was used to validate the dispute. Attached you will find supporting documentation from XXXX XXXX and a copy of the collection letter from XXXX, which clearly contradicts the reported status of the account. I am asserting my legal rights under federal and state consumer protection laws and request your urgent attention in this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12987245 about?
Complaint #12987245 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 2025-04-14T12:00:00-05:00.
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.