Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13834406
Complaint Overview
Complaint ID: 13834406
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30331
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The collection account in question appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The information related to this account does not meet these standards. FCRA 1681i ( a ) ( 1 ) ( A ) provides me with the right to dispute any inaccuracies on my credit report and requires a prompt reinvestigation. This account has not been properly addressed, and I am still awaiting verification. Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. FCRA 1681i ( a ) ( 5 ) ( A ) mandates that if the debt is not validated or is found to be unverifiable, the collection account must be deleted from my report. Under FDCPA 1692g ( b ), I formally requested validation of this debt from the collection agency. They failed to provide the necessary documentation to prove that I am responsible for this debt. As a result, the continued reporting of this account is a violation of my rights under the FDCPA. Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation of this account, and ensure that it is either fully validated or removed from all credit reports if the collector can not provide proper documentation.
Frequently Asked Questions
What is Complaint #13834406 about?
Complaint #13834406 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
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.