Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14207001
Complaint Overview
Complaint ID: 14207001
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: 30305
Date Received: 2025-06-20T12:00:00-05:00
Date Sent to Company: 2025-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Complaint Regarding Inaccurate Charge-Off on Credit Report XXXX Account To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate charge-off account being reported on my credit file by XXXX. Below are the details of the account in question : Creditor : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-Off Closed Date : XX/XX/XXXX Balance Reported : {$480.00} Credit Bureaus Reporting : TransUnion, Experian Reported Past Due Amount : {$480.00} I am disputing this charge-off under the protections afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I believe this account is either inaccurately reported, unverifiable, or may be outdated and therefore should be removed. Under FCRA Section 611 ( 15 U.S. Code 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agencies and data furnisher ( in this case, XXXX ) XXXX obligated to : 1. Conduct a reasonable investigation within 30 days, 2. Verify the accuracy of the information, and 3. Delete or correct any information found to be inaccurate, incomplete, or unverifiable. To date, I have not received any documentation validating this alleged debt, and the continued reporting of this derogatory mark is causing undue harm to my credit profile. Furthermore, under FCRA Section 602 ( A ), it is the policy of Congress that consumer reporting agencies ensure maximum possible accuracy of the information they report. In the absence of proper validation from the original creditor, the account must be deleted as required by law. I am formally requesting the CFPB to initiate an investigation into this matter and hold the reporting parties accountable for failing to comply with federal regulations regarding credit reporting accuracy and consumer dispute resolution. Thank you for your attention to this matter. I respectfully request this account be investigated and removed from my credit report if validation can not be provided in accordance with the law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of XXXX : XXXX
Frequently Asked Questions
What is Complaint #14207001 about?
Complaint #14207001 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 2025-06-20T12:00:00-05:00.
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.