Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13649118
Complaint Overview
Complaint ID: 13649118
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: South Carolina
ZIP Code: 29420
Date Received: 2025-05-21T12:00:00-05:00
Date Sent to Company: 2025-05-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, and I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) to formally dispute the reporting of multiple inaccurate and unlawful accounts on my credit report. These items are damaging, unverifiable, and reported in violation of federal statutes governing consumer data accuracy, completeness, and fairness. The following tradelines must be immediately and permanently deleted from all credit bureau files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payment Several of these accounts, listed as charge-offs , may have triggered the issuance of IRS Form 1099-C and are thereby canceled debts. Under IRS Publication 4681, once a debt has been charged off and reported as canceled income, it is no longer legally collectible. Reporting or attempting to collect on these debts afterward is not just unethicalit is unlawful. These items violate my rights under 15 U.S.C. 1681e ( b ) ( accuracy ), 1681s-2 ( a ) ( 1 ) ( A ) ( unverified data ), and 1681i ( failure to reinvestigate ). Their inclusion has resulted in reputational damage, emotional distress, and denied access to financial services. I therefore demand full deletion of these accounts, not correction. You are required to conduct a good-faith investigation and delete all unverifiable, inaccurate, or obsolete entries. Further reporting or collection efforts will be viewed as harassment under 1692d ( 2 ) and a continued violation of 1692c and 1692g ( a ) of the FDCPA. This is a formal legal notice. You are required to respond within ten ( 10 ) days as allowed by 15 U.S.C. 1681n and 1692k. Noncompliance will be considered willful and may subject you to civil liability. Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n. I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES! Respectfully, XXXX XXXX
Frequently Asked Questions
What is Complaint #13649118 about?
Complaint #13649118 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 2025-05-21T12:00:00-05:00.
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.