Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15077793
Complaint Overview
Complaint ID: 15077793
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: Minnesota
ZIP Code: 55408
Date Received: 2025-08-04T12:00:00-05:00
Date Sent to Company: 2025-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing in reference to the account listed under my name that you claim has been charged off and is still being pursued for collection. I respectfully request verification of this debt and clarification on the following legal points under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and relevant tax laws. If this account was charged off by the original creditor, it was likely declared as a loss for tax purposes under IRS regulation 26 U.S. Code 166 ( Bad Debts Deduction ). This indicates the creditor may have received a tax benefit by writing off the debt as uncollectible. If so, I request documentation proving : XXXX. The amount that was written off ; XXXX. Whether the original creditor or subsequent owner took a tax deduction ; XXXX. Whether the debt was forgiven, sold, or transferred. A charge-off is an internal accounting movenot a legal judgment. You are still required to validate the debt under the FDCPA, and I assert my right to receive full verification before any further collection attempts continue. Additionally, if the debt was sold, I request the legal contract showing your ownership and the amount paid. If the debt was forgiven or included in a XXXX tax cancellation notice, I request documentation of that as well, which may indicate the debt is no longer legally collectible. Please cease all collection activities until full validation has been provided. Continued attempts to collect without verification are a violation of federal law.
Frequently Asked Questions
What is Complaint #15077793 about?
Complaint #15077793 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 2025-08-04T12:00:00-05:00.
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.