Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13249505
Complaint Overview
Complaint ID: 13249505
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: Florida
ZIP Code: 33027
Date Received: 2025-04-29T12:00:00-05:00
Date Sent to Company: 2025-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX Account # : XXXX * * * * This account is reporting a charge-off with a {$1500.00} balance and profit and loss write-off remarks yet the worst status shows 6089 days late, not XXXX or charge-off level, which is inconsistent and misleading under FCRA 1681e ( b ) ( maximum accuracy ). It also reflects 0 % on-time payments, but payment history stops at XX/XX/XXXX. How is this account considered open until XX/XX/XXXX with no payments in years? The " dispute resolved reported by grantor '' comment was added without resolution or proper reinvestigation, which is a violation of 1681i and 1681s-2 ( b ). Demand : Remove this tradeline unless it can be fully verified with contract, accounting, payment breakdowns, and charge-off documentation. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Balance : {$130.00} Account # XXXX Balance : {$160.00} Account # XXXX Balance : {$150.00} All three accounts are duplicate in nature, originate from the same original creditor ( XXXX XXXX ), and were reported on different dates for similar amounts. These appear to be a clear violation of FCRA 1681e ( b ) due to duplicative and inaccurate reporting. They all reflect account information disputed by consumer and placed for collection without substantiating documents or communication from the original creditor. I have never received full validation from either the original creditor or XXXX XXXX XXXX under FDCPA 809 ( b ) or FCRA 623 ( b ) obligations. Demand : Remove all three collection tradelines unless each is individually validated with signed original contracts, breakdown of debt, proof of ownership, and itemized records. Legal Grounds for Dispute : FCRA 1681e ( b ) : Inaccurate or inconsistent data FCRA 1681i ( a ) : Reinvestigation required within 30 days FCRA 1681s-2 ( b ) : Furnisher duty to investigate and correct errors FDCPA 809 ( b ) : Consumer has right to request validation of debt FCRA 1681i ( a ) ( 5 ) ( A ) : Unverified items must be deleted
Frequently Asked Questions
What is Complaint #13249505 about?
Complaint #13249505 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 2025-04-29T12:00:00-05:00.
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.