Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17127506
Complaint Overview
Complaint ID: 17127506
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: New Jersey
ZIP Code: 088XX
Date Received: 2025-11-09T12:00:00-05:00
Date Sent to Company: 2025-11-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the accuracy of the charge-off reported by XXXX XXXXXXXX XXXX on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( b ), I request that this account be investigated and subsequently deleted from my credit file if found to be unverifiable or improperly documented. Specifically, I request that you provide the original signed negotiable instrument or valid assignment documentation that establishes the chain of title for this debt. To date, no such documentation has been provided to me, which constitutes a violation of my rights under the FCRA, as the data reported is unverifiable. The reporting of unverifiable information is a violation of the FCRA, which requires that all information reported must be accurate, complete, and verifiable. Furthermore, the chain of title for this account has not been demonstrated, and the absence of original signed documentation or proper assignment undermines the legitimacy of the debt reported. This is supported by legal precedent including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, which addressed proper chain of title and documentation requirements, and Chase Bank USA, N.A. v. McCoy, 2011, which emphasizes proper verification obligations. Under these cases, you are obligated to conduct a reasonable investigation and provide evidence of the debt 's validity, including proper chain of title and verification of the original signed negotiable instrument. Therefore, I request that you cease reporting this disputed account and delete it from my credit report within 30 days of receipt of this letter. Please send me written confirmation of the deletion and the results of your investigation. This letter also serves as a my second notice that failure to comply with these requests may result in further legal action to enforce my rights under the FCRA. Thank you for your prompt attention to this matter. I look forward to your mailed response within 30 days
Frequently Asked Questions
What is Complaint #17127506 about?
Complaint #17127506 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 2025-11-09T12:00:00-05:00.
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.