Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14586156
Complaint Overview
Complaint ID: 14586156
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 322XX
Date Received: 2025-07-10T12:00:00-05:00
Date Sent to Company: 2025-07-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear XXXX XXXX I am writing regarding the account listed below, which has been reported as a charge-off on my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Original Amount : XXXX Date of Charge-Off : XX/XX/year> I respectfully request the following : Verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including : A full accounting of the alleged debt Proof of ownership and legal right to collect The date of last payment and charge-off date Clarification on the charge-off status, including : Whether the debt has been sold or assigned to a third-party collection agency The name and contact details of the current owner of the debt If the account is valid and you are the rightful owner, I am interested in resolving this matter. I would like to negotiate a possible settlement or payment arrangement. Please provide written confirmation if you are open to a Pay for Delete arrangementremoval of the charge-off entry from all credit bureaus upon full or partial payment. Please respond to this letter in writing within 30 days. During this time, I request that all collection activity be paused while the debt is being verified. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #14586156 about?
Complaint #14586156 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-07-10T12:00:00-05:00.
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.