Debt collection -- False statements or representation -- Complaint #16814742
Complaint Overview
Complaint ID: 16814742
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 78572
Date Received: 2025-10-24T12:00:00-05:00
Date Sent to Company: 2025-10-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a complaint regarding an account with XXXX. XXXX XXXX. In their response dated XX/XX/year>, the company acknowledged that this account is time-barred and has ceased actively seeking collection. Despite this, the account continues to appear on my Equifax credit report, which misrepresents the debt. Under the FCRA and FDCPA, this account should be removed from Equifax. I am not acknowledging or paying this debt and request immediate deletion.
Frequently Asked Questions
What is Complaint #16814742 about?
Complaint #16814742 was filed against Equifax, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-24T12:00:00-05:00.
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 (Debt collection) 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.