Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13827969
Complaint Overview
Complaint ID: 13827969
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: Ohio
ZIP Code: 45005
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Charge-off Listing Account Number : XXXX Date Opened : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute an inaccurate entry on my credit report regarding the account referenced above. According to the details provided, this account is listed as a charge-off, with an indication of " Repossession ; Redeemed. '' However, I would like to clarify that the vehicle associated with this loan was paid off in full and was not subject to repossession. As a result, this entry is incorrect and should be updated to reflect the accurate status of the account. I respectfully request that you remove the charge-off and repossession information from my credit report as it does not accurately represent the status of the loan. Please provide the following documentation to support your investigation : 1. Proof of the charge-off or evidence of any repossession. 2. Payment confirmation or redemption letter to demonstrate that the loan was paid off in full. 3. Updated account status reflecting the correct payment history and loan completion. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter and provide a response within 30 days. If you can not validate the charge-off or provide the necessary documentation, I request that this account be removed from my credit report entirely. Please send any correspondence and documentation to the address listed above. I appreciate your attention to this matter and look forward to your prompt resolution. Sincerely, XXXX XXXX XXXX, XXXX.
Frequently Asked Questions
What is Complaint #13827969 about?
Complaint #13827969 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 2025-05-31T12:00:00-05:00.
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.