Debt collection -- Attempts to collect debt not owed -- Complaint #6900109
Complaint Overview
Complaint ID: 6900109
Company: Equifax, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Texas
ZIP Code: 78222
Date Received: 2023-04-27T12:00:00-05:00
Date Sent to Company: 2023-06-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$130.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. XXXX XXXX. account with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX. account with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.XXXX account with account # XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$550.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX/XXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$130.00}. This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are XXXX late payments being reported. XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 Delinq is incorrect because the balance due on this account is $ XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$550.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. XXXX XXXX Rental agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$770.00}. This account is incorrectly reporting that I have 4 late payments. On my Equifax report there are 1 late payments being reported. XXXX account from XXXX with account # XXXX and a balance of {$410.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$360.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$130.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}. XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$770.00}. This account is incorrectly reporting that I have 3 late payments. On my Equifax report there are 1 late payments being reported. Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$410.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Collection account from XXXX with account # XXXX and a balance of {$550.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter.
Frequently Asked Questions
What is Complaint #6900109 about?
Complaint #6900109 was filed against Equifax, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-04-27T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.