Debt collection -- Written notification about debt -- Complaint #8181653
Complaint Overview
Complaint ID: 8181653
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 90047
Date Received: 2024-01-15T12:00:00-05:00
Date Sent to Company: 2024-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to express my extreme disappointment with the inaccurate and incomplete information that you have reported on my credit report. The information provided for the following accounts is insufficient for proper validation, and I demand that you take immediate action to remove them from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I expect you to conduct a thorough investigation into these matters and provide me with any supporting documentation used to validate these debts. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The other credit bureaus have successfully expunged these accounts from their records after identifying an error. I am perplexed as to how you have verified it when the other bureaus have already removed it. Kindly remove these entry from my file as it is inaccurate, erroneous, incomplete, or unverifiable. Also, I am compelled to reiterate the matter concerning unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX. I categorically did not grant authorization for any representative from these companies to probe and access my credit report. This infringement stands as a clear violation of the Fair Credit Reporting Act Section 1681b ( c ), constituting a severe breach of my privacy rights.
Frequently Asked Questions
What is Complaint #8181653 about?
Complaint #8181653 was filed against Equifax, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-01-15T12:00:00-05:00.
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 (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.