Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14511787
Complaint Overview
Complaint ID: 14511787
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: Missouri
ZIP Code: 64152
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate and Duplicate Reporting Request for Immediate Deletion To Whom It May Concern : I am writing to dispute inaccurate information on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account listed below contains several reporting errors : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments : Sold to XXXX XXXX XXXXXXXX This account was charged off and sold to another lender. Reporting a {$0.00} balance with derogatory status after sale is misleading and inaccurate under FCRA 1681e ( b ). Continued reporting of this transferred account violates my rights under FCRA 1681c ( f ) since the debt was sold. Furthermore, the reporting contains inconsistent dates and incomplete information across bureaus, undermining its accuracy and verifiability. I demand an immediate reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). If the information can not be fully verified with original creditor documentation, delete this account from my credit report. Please send me written confirmation of the results of your reinvestigation within 30 days as required by law. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General for violations of FCRA. Sincerely,
Frequently Asked Questions
What is Complaint #14511787 about?
Complaint #14511787 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 2025-07-07T12:00:00-05:00.
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.