Debt collection -- Written notification about debt -- Complaint #17286535
Complaint Overview
Complaint ID: 17286535
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New Jersey
ZIP Code: 08618
Date Received: 2025-11-16T12:00:00-05:00
Date Sent to Company: 2025-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reviewed my credit report and found information being reported that I believe is inaccurate, incomplete, or can not be verified under the Fair Credit Reporting Act. I contacted the credit reporting agency and the furnisher to request verification and documentation for the accounts being reported. However, the company did not provide any original signed contracts, account-level documentation, or evidence proving the accuracy or ownership of the information. Despite my disputes, the items continue to be reported without proper investigation or validation. The company failed to provide the required level of detail, did not confirm the accuracy of the information, and did not demonstrate compliance with the FCRAs verification and reinvestigation requirements. Because the furnisher has not provided documentation to support the reporting, and the credit bureau has continued to report the information without proper verification, I believe the information is unverifiable and inaccurately maintained in my file. I am filing this complaint because I have followed the dispute process and the companies involved have failed to conduct a proper investigation, failed to provide proof, and failed to correct or remove the disputed information.
Frequently Asked Questions
What is Complaint #17286535 about?
Complaint #17286535 was filed against Equifax, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-16T12:00:00-05:00.
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.