Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16136987
Complaint Overview
Complaint ID: 16136987
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: Florida
ZIP Code: 34471
Date Received: 2025-09-23T12:00:00-05:00
Date Sent to Company: 2025-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the accuracy, completeness, and validity of the above-referenced account, which is currently being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX open collection account with a balance of {$630.00}, originally associated with First Electronic Bank XXXX XXXX XX/XX/year>. This reporting is inaccurate, misleading, and in violation of several consumer protection laws : FCRA 609 & 611 : I have the right to request full verification of this account. Reporting it as open after being sold is misleading and must be corrected or deleted. FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher of information may not report information it knows, or has reasonable cause to believe, is inaccurate. If XXXX XXXX Bank sold the account, XXXX XXXX can not report it as open without providing proof of ownership. FDCPA 809 ( b ) : Upon written request, a debt collector must provide validation of the debt, including : The original signed contract or application bearing my signature. Complete payment history and itemization of the {$630.00} balance. Proof of legal transfer/assignment of this debt from XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Chain of title showing ownership from original creditor to your company. XXXX & CFPB Regulations : Reporting a sold debt as open is deceptive and creates an inaccurate credit picture, violating the requirement that information furnished to consumer reporting agencies must be accurate and not misleading.
Frequently Asked Questions
What is Complaint #16136987 about?
Complaint #16136987 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 2025-09-23T12:00:00-05:00.
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.