Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13455435
Complaint Overview
Complaint ID: 13455435
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 285XX
Date Received: 2025-05-11T12:00:00-05:00
Date Sent to Company: 2025-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a collection account related to a vehicle repossession. I do not believe the amount being collected is accurate, and I request a full accounting of the debt. This includes a detailed explanation of how the deficiency balance was calculated after the repossession and sale of the vehicle. Additionally, the vehicle was covered by a Guaranteed Asset Protection ( GAP ) insurance policy. I request confirmation of whether a GAP claim was filed, the result of that claim, and whether any credit was applied to the remaining balance. If no GAP claim was filed, I request a full explanation and supporting documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. Please provide all supporting documentation, including : - The original loan agreement- An itemized breakdown of the deficiency balance - Records of repossession notice and sale - Sale date and amount received - GAP claim documentation ( or explanation of why no claim was filed ) Until this information is provided, I request that all collection efforts cease and that the account be reported as " disputed '' to all credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. If the debt can not be validated or if it is determined that GAP insurance should have covered the balance, I am requesting that this account be removed entirely from my credit reports with all credit bureaus.
Frequently Asked Questions
What is Complaint #13455435 about?
Complaint #13455435 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-11T12:00:00-05:00.
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.