Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13419526
Complaint Overview
Complaint ID: 13419526
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30019
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To : Equifax Subject : Formal Dispute Request for Deletion Unverifiable Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ending in XXXX Dear Equifax, I am writing to formally dispute the accuracy and completeness of the information being reported on my credit file regarding an account from XXXX XXXX XXXX XXXX related to the XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request full verification of any tradeline listed on my report. XXXX XXXX contacted me directly and spoke with a representative, XXXX XXXX, on XX/XX/year>. During the call, XXXX XXXX confirmed that XXXX XXXX is unable to provide any additional documentation to validate the debt beyond periodic account statements and a generic electronic customer agreement. Despite multiple requests, XXXX XXXX has failed to provide : A signed agreement or application explicitly linking me to this alleged debt A detailed breakdown of the {$12000.00} balance reported as charged off Any legally sufficient documentation establishing the accuracy and legitimacy of the account Without this documentation, the account remains unverifiable and must be removed from my credit file under FCRA 611 and related consumer protection provisions. Continued reporting of an unvalidated account violates my rights and may expose XXXX XXXX and your bureau to liability for inaccurate or unfair credit reporting. I am requesting that you delete this unverifiable tradeline from my credit report immediately and provide me with written confirmation once it has been removed. If you require further details, I am happy to supply supporting documentation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13419526 about?
Complaint #13419526 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-08T12:00:00-05:00.
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.