Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7349389
Complaint Overview
Complaint ID: 7349389
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: Florida
ZIP Code: 33407
Date Received: 2023-08-03T12:00:00-05:00
Date Sent to Company: 2023-08-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Complaint Regarding XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX concerning the accuracy and reporting practices of an account listed on my credit report. The account in question is identified as XXXX and is associated with XXXX XXXX XXXX XXXX However, I have noticed that the credit report indicates that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. Despite this, XXXX XXXX XXXX continues to report this account on my credit file, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA guidelines, specifically under 15 U.S.C. 1681s-2 ( a ) ( 5 ), once a debt has been sold or transferred to a new company, the original creditor ( XXXX XXXX XXXX XXXX XXXX no longer responsible for reporting it. The responsibility for reporting the debt now lies with the new company ( XXXX XXXX ), who currently owns the debt. By continuing to report this account on my credit report, XXXX XXXX XXXX is potentially violating the FCRA 's provisions that govern accurate and timely reporting of information to credit bureaus. I believe that XXXX XXXX XXXX should update my credit report to reflect that the account has been sold or transferred to XXXX XXXX and remove any reference to this account from their reporting. Enclosed is supporting documentation from the credit report, clearly showing that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that XXXX XXXX XXXX complies with the FCRA and accurately reports my credit information. Please provide me with a written response once the investigation is complete and appropriate action has been taken to rectify the situation. Thank you for your prompt attention to this complaint. I look forward to a resolution that upholds my consumer rights and ensures fair credit reporting practices. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7349389 about?
Complaint #7349389 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 2023-08-03T12:00:00-05:00.
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 (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.