Debt collection -- Took or threatened to take negative or legal action -- Complaint #19118911
Complaint Overview
Complaint ID: 19118911
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Georgia
ZIP Code: 30043
Date Received: 2026-01-29T12:00:00-05:00
Date Sent to Company: 2026-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Experian, XXXX XXXX XXXX XXXX for continued inaccurate and unverifiable credit reporting related to a collection/charge-off account that is currently disputed and being actively updated. The account is reported as : Payment Status : Collection / Charge-Off Account Status : Open Balance : {$1300.00} Creditor Type : Collection Services Dispute Status : Account Information Disputed by Consumer Last Verified / Updated : XX/XX/year> I disputed this account with all consumer reporting agencies. Despite the active dispute, the bureaus continue to report the account as verified and allow ongoing updates without providing documentary evidence demonstrating that a reasonable reinvestigation occurred.
Frequently Asked Questions
What is Complaint #19118911 about?
Complaint #19118911 was filed against Equifax, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2026-01-29T12:00:00-05:00.
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.