Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5550543
Complaint Overview
Complaint ID: 5550543
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: Old information reappears or never goes away
State: Texas
ZIP Code: 77079
Date Received: 2022-05-06T12:00:00-05:00
Date Sent to Company: 2022-05-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There is an open collections account from CONSUMER ADJUSTMENT that was added to my Equifax credit report on XX/XX/XXXX. This was a credit card account that was closed XXXX days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but Equifax refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. I previously disputed this account and successfully had it removed from Equifax as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both Equifax and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.
Frequently Asked Questions
What is Complaint #5550543 about?
Complaint #5550543 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 2022-05-06T12:00:00-05:00.
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.