Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14986990
Complaint Overview
Complaint ID: 14986990
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: Connecticut
ZIP Code: 066XX
Date Received: 2025-07-30T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Formal Dispute and Request for Immediate Deletion Under FCRA 611, FDCPA 809 ( b ), and XXXX XXXX Compliance Standards. Dear EQUIFAX XXXX Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ), the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), and XXXX XXXX compliance standards. I demand that the following inaccurate, incomplete, and unverifiable accounts be immediately deleted from my consumer report.Accounts in Dispute. XXXX. XXXX XXXX XXXX ( Account XXXX. ending in XXXX ) - This is a debt buyer account allegedly purchased from XXXX XXXX XXXX XXXX No documentation has been provided proving lawful ownership, original signed agreement, or itemized billing statement.- In violation of FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), I request immediate deletion unless fully validated with : - Original creditor agreement - Full chain of assignment - Itemized payment history. XXXX. XXXX XXXX ( Account XXXX. ending in XXXX ) - This account is inaccurately reported as charged off while also being listed as closed at the creditors request.- There is no validation of the balance, terms, or original agreement.- Reporting is misleading and fails XXXX XXXX formatting standards for accuracy and completeness. XXXX. XXXX XXXX XXXX ( Account No. ending in XXXX ) - Account status reflects charge-off with past due balance, yet previous disputes were not revalidated per FCRA requirements.- No signed agreement, billing history, or proof of assignment is available.
Frequently Asked Questions
What is Complaint #14986990 about?
Complaint #14986990 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 2025-07-30T12:00:00-05:00.
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.