Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13603273
Complaint Overview
Complaint ID: 13603273
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: Texas
ZIP Code: 773XX
Date Received: 2025-05-19T12:00:00-05:00
Date Sent to Company: 2025-05-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Deletion - Duplicate XXXX XXXX XXXXXXXX Reporting & Knowingly False Data To the Equifax Legal and Compliance Department , This is a formal dispute and legal notice issued pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), 1681s-2 ( b ), and the Texas Business & Commerce Code 20.06 . You are knowingly reporting false, defamatory, and duplicative information on my Equifax credit file regarding XXXX XXXX XXXXXXXX account ending in XXXX, and you are doing so in direct violation of federal and state law. SUMMARY OF VIOLATION Your report shows two separate derogatory tradelines for the same XXXX XXXX XXXXXXXX account. Each reflects : - A charged-off balance of {$33000.00} - Conflicting update dates and payment remarks - Separate derogatory entries on the same consumer credit file This is not a mistake- it is a materially false representation of my credit profile that inflates my total debt, doubles my derogatory exposure, and causes ongoing harm every day it remains on file. This isn't an error. It is a systematic violation of your duties under law - and it has crossed the line from negligence into willful misconduct. XXXX XXXX XXXX FALSE CERTIFICATION - XX/XX/year>2025 I possess a letter from XXXX XXXX XXXX dated XX/XX/scrub> 2025, which falsely certifies that their reporting is " accurate. '' That letter is evidence of false certification, sent to you after these violations were already active in your system. This places both you and XXXX XXXX XXXXXXXX in clear violation of : - FCRA 1681s-2 ( b ) ( 1 ) ( C ) - Failure to correct known inaccuracies - FCRA 1681e ( b ) - Failure to maintain maximum accuracy - FCRA 1681i ( a ) - Failure to correct disputed data - Texas Bus . & Comm. Code 20.06 ( a ) ( 4 ) - Knowingly reporting inaccurate information - FDCPA 807 ( 8 ), ( 10 ) - Deceptive reporting practices DEMAND FOR IMMEDIATE ACTION You are hereby legally required to : Delete both XXXX XXXX XXXX tradelines immediately You have 30 days from receipt of this letter to complete your reinvestigation and produce documentary evidence that proves the legitimacy of this reporting. If this is not fully corrected within that timeframe, I will file : - A formal complaint with the CFPB, Texas Attorney General, and FTC - A civil lawsuit in federal court under FCRA 1681n and 1681o for : - Statutory damages ( {$1000.00} per violation ) - Actual damages for economic harm and credit denials- Punitive damages for willful noncompliance - Attorneys ' fees and injunctive relief This letter is sent with full reservation of rights, is a notice of legal intent, and shall be admissible in any action arising from this matter. You are on notice. Fix it - or face full federal litigation. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13603273 about?
Complaint #13603273 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 2025-05-19T12:00:00-05:00.
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.