Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17815325
Complaint Overview
Complaint ID: 17815325
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: 33064
Date Received: 2025-12-07T12:00:00-05:00
Date Sent to Company: 2025-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am formally disputing the XXXX XXXXXXXX account ( partial account number XXXX ) that appears on my consumer credit file as a charge-off with a stated balance of {$9100.00}. This account is being reported with material inaccuracies and unverifiable information, and therefore must be immediately reinvestigated and permanently removed unless the data furnisher provides legally acceptable documentation proving its accuracy. 1. VIOLATIONS OF FCRA 602 ( a ) FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY FCRA 602 ( a ) ( 1 ) requires consumer reporting agencies to ensure the maximum possible accuracy of all information. The following elements appear inaccurate or incomplete : The Date of First Delinquency ( XX/XX/year> ) conflicts with the reported charge-off status and balance, suggesting improper aging and data reconstruction. The account opening date ( XX/XX/year> ) and charge-off timeline do not follow standard creditor charge-off protocols ( typically 180 days ), raising substantial concerns about data accuracy and procedural compliance. Any deviation, mismatch, or unverified reporting constitutes a violation of FCRA 602 ( a ). 2. VIOLATION OF FCRA 609 ( a ) ( 1 ) FAILURE TO PROVIDE SOURCE & VERIFICATION DOCUMENTS Under FCRA 609 ( a ) ( 1 ), I have the right to the exact source of all information, including the original records used to verify this tradeline. The bureau must obtain from XXXX XXXX the original signed agreement, complete payment history, charge-off documentation, and DOFD source records. Internal screenshots, system notes, or unverifiable digital records do not satisfy FCRAs verification standard. If you can not provide this documentation, the item must be deleted. 3. VIOLATION OF FCRA 611 ( a ) FAILURE TO VERIFY IN COMPLIANCE WITH FEDERAL LAW Under FCRA 611 ( a ) ( 1 ) ( A ), the bureau must conduct a reasonable reinvestigation. Under FCRA 611 ( a ) ( 5 ) ( A ), if any information is inaccurate, unverifiable, or incomplete, it must be promptly deleted. Given the discrepancies and missing documentation, the XXXX XXXX account can not be verified to federal standards. 4. VIOLATION OF FCRA 623 ( a ) ( 1 ) ( A ) FURNISHING INACCURATE INFORMATION XXXX XXXX is prohibited under FCRA 623 ( a ) ( 1 ) ( A ) from furnishing information it knows or should know is inaccurate. The inconsistent dates and questionable charge-off timeline directly indicate that the reporting furnisher has provided incomplete or inaccurate information, which legally can not remain on my credit file. DEMAND FOR ACTION In accordance with FCRA 602, 609, 611, and 623, I formally demand the following : XXXX. A complete reinvestigation of the XXXX XXXXXXXX account. 2. A written description of the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 3. Permanent deletion of the account if any portion is : Unverifiable Inaccurate Incomplete Unsupported by the original creditors documentation If you can not obtain the original records needed for full verification, you are required under federal law to delete the tradeline immediately. I expect your response within the statutory 30-day timeframe.
Frequently Asked Questions
What is Complaint #17815325 about?
Complaint #17815325 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 2025-12-07T12:00:00-05:00.
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.