Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15190461
Complaint Overview
Complaint ID: 15190461
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: North Carolina
ZIP Code: 28214
Date Received: 2025-08-09T12:00:00-05:00
Date Sent to Company: 2025-08-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX Formal Dispute of Charge-Off Entry on Credit Report DEAR : XXXX XXXX I am writing to formally dispute the accuracy of the charge-off entry listed under partial account # XXXX on my credit report. This account is being reported as charged off, but I believe this information is inaccurate, incomplete, or unverifiable in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that you conduct a thorough investigation into this matter and provide : Complete validation of the debt including a copy of any signed agreement and a full payment history. Proof that you have the legal right to collect or report this debt, including chain of custody if the debt was sold or transferred. Documentation that the reporting complies with FCRA requirements for accuracy and completeness. If you can not verify the accuracy of the account as required by law, I request that you remove the charge-off entry from my credit report immediately. Please provide your investigation results and an updated copy of my credit report within 30 days of receiving this letter, as required by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15190461 about?
Complaint #15190461 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 2025-08-09T12:00:00-05:00.
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.