Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4690151
Complaint Overview
Complaint ID: 4690151
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 770XX
Date Received: 2021-09-03T12:00:00-05:00
Date Sent to Company: 2021-09-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
FCRA Violations ; not mine, Unknown payment history. remove it. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX {$760.00} Closed Unknown payment history Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$760.00} {$500.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$760.00} Original loan amount $ XXXX Monthly payment - Late payments - No payments have been reported on this account. Additional info Responsibility Individual account Terms 3 Months Company sold - Original creditor - Comments Affected by natural disaster Your statements - Contact XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$400.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount $ XXXX Monthly payment - Late payments - No payments have been reported on this account. Additional info Responsibility Individual account Terms 2 Months Company sold - Original creditor - Comments Closed Your statements - Contact XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$0.00} {$300.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$0.00} Highest balance $ XXXX Monthly payment - Late payments - No payments have been reported on this account. Additional info Responsibility Individual account Terms - Company sold - Original creditor - Comments Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXXXXXX XXXX XXXX {$410.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$410.00} {$300.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$410.00} Highest balance $ XXXX Monthly payment - Late payments - No payments have been reported on this account. Additional info Responsibility Individual account Terms - Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX {$800.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$800.00} {$550.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$800.00} Highest balance $ XXXX Monthly payment - Late payments - No payments have been reported on this account. Additional info Responsibility Individual account Terms - Company sold - Original creditor - Comments Profit and loss writeoff Your statements - Contact XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX {$0.00} Closed Unknown payment history XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. {$800.00} written off. {$800.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. {$410.00} written off. {$410.00} past due as of XX/XX/XXXX. XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$700.00} written off. XXXX Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. COMPLETE CREDIT SOLUTION Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$670.00} written off. FCRA VIOLATIONS ; NEVER LATE : Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquiries XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX DATA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Frequently Asked Questions
What is Complaint #4690151 about?
Complaint #4690151 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-09-03T12:00:00-05:00.
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, credit repair services, 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.