Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15481593
Complaint Overview
Complaint ID: 15481593
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 331XX
Date Received: 2025-08-23T12:00:00-05:00
Date Sent to Company: 2025-08-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint to formally dispute the accuracy, completeness, and legality of certain information currently being reported on my credit file. After reviewing my credit reports, I found multiple charge-off accounts, collection accounts, and inquiries that either lack proper documentation, were reported in violation of federal law, or are the result of identity theft. First, I request the deletion of the following charge-off accounts, as no IRS Form 1099-C has ever been issued for cancellation of debt in amounts exceeding {$600.00}, rendering these entries unverifiable and unlawful : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$19000.00} Furthermore, I request the removal of the following collection accounts, as they are the result of identity theft and must be blocked from my credit report in compliance with FCRA 605B / 15 U.S.C. 1681c-2, which requires credit reporting agencies to block reporting of information resulting from identity theft when a proper identity theft report is provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9400.00} Lastly, I dispute the following inquiries, as they do not meet the requirements of permissible purpose under FCRA 604 ( a ) / 15 U.S.C. 1681b ( a ) and may constitute a violation of FCRA 619 / 15 U.S.C. 1681q if obtained under false pretenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of these items. If the furnishers of this information can not provide verified, accurate, and complete documentation, these accounts and inquiries must be deleted from my credit file.
Frequently Asked Questions
What is Complaint #15481593 about?
Complaint #15481593 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 2025-08-23T12:00:00-05:00.
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.