Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13946714
Complaint Overview
Complaint ID: 13946714
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: California
ZIP Code: 93245
Date Received: 2025-06-06T12:00:00-05:00
Date Sent to Company: 2025-06-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : FCRA Dispute Inaccurate Balance Reporting on Charged-Off Account Account in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax, I am writing to formally dispute inaccurate and potentially misleading information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The item I am disputing is reported as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} Status : Charged Off Account This charge-off account is reporting a balance, which raises serious concerns about the accuracy and completeness of the information. Under FCRA 1681s-2 ( a ), furnishers of information must ensure the data they provide is not misleading. If the account has been sold or transferred to a third-party collector, the original creditor should no longer report a balance, as this could result in double reporting and inaccurate representation of my outstanding obligations. If the debt has not been sold, I request verification of the balance amount and supporting documentation showing how the balance was calculated post-charge-off, including any interest or fees added after the charge-off date. If this can not be verified, the balance must be corrected to reflect a {$0.00} balance or removed entirely. Requested Action : Conduct a full investigation in accordance with FCRA 611. Verify the accuracy of the balance and charge-off status with XXXX XXXX XXXX . Remove or update this entry if the balance is not legally enforceable or inaccurately reported. Provide me with written confirmation of the outcome of your investigation. This is a formal dispute. Please respond within 30 days as required by federal law. If this item is not corrected or removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the California Department of Financial Protection and Innovation, and pursue further remedies as allowed under the FCRA. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13946714 about?
Complaint #13946714 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 2025-06-06T12:00:00-05:00.
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.