Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7336673
Complaint Overview
Complaint ID: 7336673
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: Account status incorrect
State: Virginia
ZIP Code: 23060
Date Received: 2023-08-01T12:00:00-05:00
Date Sent to Company: 2023-08-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Re : Complaint for Resolution of Inaccurate Account Reporting by XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccurate and misleading account listed on my credit report with the credit bureau. The account in question is associated with XXXX XXXX XXXX XXXX and has been reported as " Closed '' and " Charged-off. '' My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Status : Closed Type : Auto Responsibility : Joint Account Remarks : Charged off account Last Payment Date : XX/XX/XXXX Current Payment Status : Charge-off Worst Payment Status : Charge-off Balance : {$32000.00} Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History : Youve made 100 % of payments for this account on time. I have thoroughly reviewed my credit report, and I believe that there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) in the reporting of this account : XXXX. Lack of Clarity on Account Status : The account is listed as " Closed, '' which may mislead creditors and lenders regarding the current status of the account. As a responsible consumer, I am concerned that this inaccurate reporting may negatively impact my creditworthiness. XXXX. Unsubstantiated Charge-off Status : The account is reported as " Charged-off, '' indicating that the creditor has written off the debt as uncollectible. However, this information does not provide any details on the date of the charge-off or the circumstances leading to this status. The FCRA requires accurate and complete information to be reported, and the absence of crucial details raises questions about the veracity of the reported status. XXXX. Insufficient Payment History Details : The payment history section does not provide a detailed breakdown of payments made on this account. As a result, I am unable to ascertain whether the payment information is accurately reflected on my credit report. Given the seriousness of these discrepancies, I hereby request the Consumer Financial Protection Bureau to investigate and facilitate the rectification of the inaccurate reporting by XXXX XXXX XXXX XXXX. I believe that the discrepancies listed above warrant immediate action under the FCRA to ensure the fairness and accuracy of the information provided to potential creditors and lenders. I appreciate your prompt attention to this matter and request that you keep me informed of any actions taken in response to this complaint. Thank you for your dedication to protecting consumers ' rights and ensuring fair credit reporting practices. Sincerely, XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7336673 about?
Complaint #7336673 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 2023-08-01T12:00:00-05:00.
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.