Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13795967
Complaint Overview
Complaint ID: 13795967
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New Mexico
ZIP Code: 882XX
Date Received: 2025-05-29T12:00:00-05:00
Date Sent to Company: 2025-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint because Equifax continues to report a collection account from [ Insert Collection Agency Name ] that is inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards. Despite multiple formal disputes, this account remains on my credit report without proper validation or investigation. Neither Equifax nor the collection agency has provided the original signed contract, the XXXX XXXX XXXX proving legal right to collect, a bill of sale or transfer of ownership, or any documentation establishing a legal chain of title. Without this, the account is unverified and must be deleted under FCRA 1681i and 1681s-2 ( b ). Equifax has failed to disclose the method of verification despite prior disputes. The tradeline also violates Metro 2 data accuracy standards. It lacks the ownership transfer date, shows an incomplete payment history, and omits the highest balance. This is materially misleading and violates FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). I am requesting that the CFPB compel Equifax and the collection agency to produce full validation or permanently delete this unverifiable account. I also request that appropriate enforcement action be taken for continued noncompliance.
Frequently Asked Questions
What is Complaint #13795967 about?
Complaint #13795967 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 2025-05-29T12:00:00-05:00.
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.