Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13709135
Complaint Overview
Complaint ID: 13709135
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: Georgia
ZIP Code: 30339
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, This is my sixth formal dispute concerning accounts and inquiries that continue to be reported inaccurately and unlawfully on my credit report. Despite prior disputes, these items remain unresolved. As such, I now demand full reinvestigation under FCRA 611, Metro 2 Compliance, and FDCPA 809 where applicable. Disputed Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX : This account is reporting late payments. However, there is no method of verification or detailed payment history provided to confirm accuracy. Under FCRA 609 ( a ) ( 1 ), I request the original signed contract and MOV ( method of verification ). If this can not be provided, the account must be removed. 2. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Charge-off reported with a balance. If a 1099-C was issued, then continuing to report a balance is a violation of IRS regulations and constitutes double reporting. This violates Metro 2 guidelines and the FCRA 602A accuracy clause. 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off with no proof of ownership or contract ever submitted. This furnisher is in violation of FCRA 623 for continuing to report unverifiable information. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX and still showing a charge-off without evidence of current ownership, balance validation, or IRS reporting XXXX Reporting a balance post-charge-off without tax documentation may be unlawful. 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a charge-off. I request documentation including full chain of custody of the account, the original signed application, and proof of debt ownership. Failure to provide this within 30 days is a violation of FCRA 611 ( a ) ( 1 ). 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is outdated, charged-off, and potentially re-aged. The continued presence of this data after multiple disputes shows a failure in your reinvestigation process. 7. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting a charge-off with a balance of {$1500.00}. If this account has been forgiven or settled in any form, continued reporting of a balance is misleading and violates both the FDCPA and Metro 2 Format standards. I demand deletion of all the above accounts if you can not provide original documentation, proof of accuracy, and MOV within the statutory 30-day window. Unauthorized Inquiries to Be Removed : I also dispute the following hard inquiries, which I never authorized. Under FCRA 604, no hard inquiry may appear without permissible purpose or consumer consent : XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX and XX/XX/XXXX None of these inquiries were initiated by me, and I have not given written consent for any of them. If the original documentation showing my signed authorization is not available, these inquiries must be removed immediately. If you fail to remove or correct these inaccurate items within the 30-day period, I am fully prepared to escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office I demand full compliance with federal law. Continued inaccurate reporting constitutes willful noncompliance, and I am documenting all actions for future legal recourse.
Frequently Asked Questions
What is Complaint #13709135 about?
Complaint #13709135 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 2025-05-25T12:00:00-05:00.
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.