Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13521012
Complaint Overview
Complaint ID: 13521012
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: California
ZIP Code: 90680
Date Received: 2025-05-14T12:00:00-05:00
Date Sent to Company: 2025-05-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a new complaint regarding the continued reporting of a false $ XXXX collection account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX The only evidence used to justify this tradeline is a court document ( Form XXXX, dated XX/XX/XXXX ) from an unlawful detainer ( eviction ) case. However, that judgment does not include any enforceable money judgment, and there is no XXXX form or XXXX enforcement entry in the court record. In fact, the court only awarded possession of the unitnot monetary damages. Despite this, XXXX XXXX has repeatedly passed this document off as a verified monetary judgment, and the credit bureaus have accepted it. Additionally : XXXX XXXX was not the attorney of record when the judgment was entered The original creditor ( XXXXXXXX XXXX XXXX XXXXXXXX ) has refused to verify the debt through the CFPB system and was referred to the FTC on XX/XX/XXXX ( see Complaint ID : XXXX ) TransUnion has reinserted the collection item without notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ) This is a coordinated FCRA violation under 623 and 611. None of these parties can legally verify or collect this debt, and continued reporting is materially false, harmful, and negligent. -- - Regarding UD-110 Document : The only document that has ever been referenced to justify this tradeline is a California Form UD-110, which is the standard judgment form for unlawful detainer ( eviction ) cases. Although this form lists a dollar amount, it does not constitute an enforceable money judgment. There is no MC-012 ( Memorandum of Costs After Judgment ) filed, no E130 enforcement entry in the court docket, and no supporting documentation authorizing collection. In California, a monetary award in an eviction case is not collectible unless the landlord files the required post-judgment paperworkwhich has not occurred in this case. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not the attorney of record at the time the judgment was entered, and they have misrepresented this UD-110 form as a collectible civil judgment in order to furnish a tradeline and pressure the credit bureaus. This is a deliberate misuse of a civil court form and a violation of the Fair Credit Reporting Act. Most alarming is the fact that the original creditor, XXXX XXXX XXXX XXXX, has refused to validate the debt and was recently referred to the Federal Trade Commission by the CFPB due to their non-responsiveness ( Complaint ID : XXXX ). The continued use of this unverifiable and legally misrepresented document across multiple credit bureaus is damaging, misleading, and unlawful. I am requesting permanent deletion and enforcement action to prevent continued abuse of eviction court documents to manufacture uncollectible debt.
Frequently Asked Questions
What is Complaint #13521012 about?
Complaint #13521012 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 2025-05-14T12:00:00-05:00.
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.