Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14626090
Complaint Overview
Complaint ID: 14626090
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30034
Date Received: 2025-07-13T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX Bank XXXX XXXX XXXX ( XXXX ) What happened : I am disputing a debt reported by both XXXX Bank and XXXX XXXX XXXX ( XXXX ). These XXXX companies are reporting what appears to be the same debt, but with completely different balances and account information. XXXX Bank reports that I owe approximately {$900.00}, while XXXX XXXX XXXX claims I owe around {$1800.00} more than double. I sent a certified debt validation letter to XXXX on XX/XX/year>. They received it but have not properly validated the debt. They replied demanding more personal information, despite already having my name, address, and identifying details ( as evidenced by their ability to report it to the credit bureaus ). This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I never agreed to or signed a contract with XXXX XXXX XXXX. If they claim to have purchased or are collecting on behalf of XXXX XXXX, they have failed to produce any proof of ownership, original contract, or itemized breakdown of how the balance jumped from {$900.00} to {$1800.00}. Both companies are currently furnishing this debt on my credit reports and causing ongoing damage. Reporting conflicting balances, failing to validate the debt, and continuing collection efforts violate XXXX XXXX. XXXX ( b ) of the FDCPA and FCRA Section XXXX ( a ). Supporting Documents Provided : Certified mail receipt ( dated XX/XX/year> ) Debt validation letter sent to XXXX Credit report screenshots showing both XXXX and XXXX listings XXXX weak response letter demanding redundant information Requested Resolution : Immediately delete the account from all credit bureaus Cease all collection and reporting activity Provide full debt validation, including original contract and accounting Investigate the duplicate reporting and balance discrepancies Penalize furnishers for violating the FDCPA and FCRA
Frequently Asked Questions
What is Complaint #14626090 about?
Complaint #14626090 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 2025-07-13T12:00:00-05:00.
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.