Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8088592
Complaint Overview
Complaint ID: 8088592
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33150
Date Received: 2024-01-01T12:00:00-05:00
Date Sent to Company: 2024-01-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, I am not a third party. I am a natural person submitting this complaint, and I am requesting that these negative inaccurate items be removed from my credit report. XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XXXX XXXX Status updated XXXX XXXX Balance {$6500.00} Balance updated XXXX REASON ; I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 2. XXXX XXXX XXXX Account number XXXX Account type Secured Card Date opened XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XXXX XXXX Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXXXXXX REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 3. XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$4000.00} Balance updated XX/XX/XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 4.XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXXXXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1800.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a XXXXXXXX XXXX with Consent to share/ opt out of personal information being shared with 3rd parties. Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 5.XXXX XXXXXXXX, XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXXXXXX Status Collection account. {$840.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$840.00} REASON : I don't recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 6.XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XXXX XXXXStatus updated XX/XX/XXXX Balance {$4000.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
Frequently Asked Questions
What is Complaint #8088592 about?
Complaint #8088592 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-01-01T12:00:00-05:00.
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 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.