Debt collection -- False statements or representation -- Complaint #13351693
Complaint Overview
Complaint ID: 13351693
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 33139
Date Received: 2025-05-05T12:00:00-05:00
Date Sent to Company: 2025-05-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The inaccurate information related to the account listed below, which appears on my credit report. This account, originally owed by me, was purchased by a third-party debt collector or sold and the balance has not been updated correctly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD THE ORIGINAL BUT MY BALANCE DOESNT REFLECT THE SOLD / ACCURATE AMOUNT DUE ON MY CREDIT REPORT - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD THE ORIGINAL BUT MY BALANCE DOESNT REFLECT THE SOLD / ACCURATE AMOUNT DUE ON MY CREDIT REPORT - ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that the inaccurate entry be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.The following issues have been identified with the reporting of this account : 1. Incorrect Account Status : The status of this account does not reflect the actual condition of the debt. 2. Incorrect Amount : The amount reported is not accurate. The debt was settled for less than the original balance owed, and my credit report does not reflect this. 3. Incomplete Information : The credit report does not include the necessary and accurate information regarding the payment made by the third-party debt collector, nor the accurate settlement amount. As per Section 1681i ( a ) of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or outdated. Furthermore, Section 1681e ( b ) of the FCRA requires that consumer reporting agencies maintain " maximum possible accuracy '' when reporting information. The inaccurate reporting of this account violates the FCRA because it misrepresents the status and payment of the debt. Additionally, I would like to highlight that Section 1681s-2 ( b ) of the FCRA mandates that furnishers of information ( including debt collectors ) report accurate and complete information. The lack of correct reporting regarding the payment of the debt by the third-party debt collector constitutes a violation of this provision. Given that this information is incorrect, incomplete, and misleading, I respectfully request that this account entry be DELETED IMMEDIATELY. Please find attached copies of my credit report with the relevant discrepancies highlighted for your review.
Frequently Asked Questions
What is Complaint #13351693 about?
Complaint #13351693 was filed against Equifax, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-05-05T12:00:00-05:00.
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 (Debt collection) 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.