Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9140384
Complaint Overview
Complaint ID: 9140384
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: XXXXX
Date Received: 2024-05-30T12:00:00-05:00
Date Sent to Company: 2024-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate information that is currently being reported on my credit report. The account in question has been sold to a third-party debt collector, which means it has been written off and is considered settled. Consequently, there should be no reports of late payments nor any indication of an outstanding debt. The specific account details are as follows : Creditor Name : XXXX According to the Internal Revenue Service ( IRS ), a write-off is treated as income, which means the debt is no longer considered outstanding. Therefore, the continued reporting of this debt as delinquent or outstanding is both inaccurate and misleading. I am requesting that you : Investigate this matter thoroughly. Remove all negative information related to this account from my credit report. Confirm receipt of this complaint and the commencement of your investigation. Enclosed with this letter, you will find copies of documentation that support my position, including : Proof of the debt being sold to a third-party debt collector. Relevant IRS guidelines regarding write-offs. I trust that you will handle this matter promptly and ensure that my credit report is corrected. Please provide me with an update on your investigation within the legally mandated time frame. Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Frequently Asked Questions
What is Complaint #9140384 about?
Complaint #9140384 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-05-30T12:00:00-05:00.
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 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.