Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5955304
Complaint Overview
Complaint ID: 5955304
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: Arizona
ZIP Code: 85392
Date Received: 2022-09-06T12:00:00-05:00
Date Sent to Company: 2022-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. The account statement that was provided to XXXX, XXXX and Equifax to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. - This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You
Frequently Asked Questions
What is Complaint #5955304 about?
Complaint #5955304 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 2022-09-06T12:00:00-05:00.
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.