Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9301898
Complaint Overview
Complaint ID: 9301898
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: Mississippi
ZIP Code: 39213
Date Received: 2024-06-19T12:00:00-05:00
Date Sent to Company: 2024-06-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my XXXX XXXX account, which is adversely affecting my credit report. The details of my account are as follows : Account Number : XXXX Account Opening Date : XX/XX/XXXX Upon reviewing my credit report from all credit Bureaus, I noticed significant discrepancies in the payment summary and collection status of my XXXX XXXX account. Specifically : Missing Data Entries : The payment summary indicates no data available for XXXX 2022XX/XX/XXXX and XX/XX/XXXXXXXX 2023. However, despite these gaps, the account status shows it has been in collections continuously from 2019 to the present day. Incorrect Collection Reporting : The account status inaccurately portrays continuous collection activity from 2019 onward, which does not align with the actual history of the account. These inaccuracies are concerning as they impact my creditworthiness and misrepresent my payment history with XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to request and obtain all information in my file maintained by a consumer reporting agency, which includes accurate reporting from data furnishers like XXXX XXXX. Additionally, under 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. The FCRA also mandates that if information can not be verified during an investigation, it must be promptly deleted from my credit report. Therefore, I request that you : Conduct a thorough review of my account history and correct any inaccuracies in the payment summary and collection status. Provide me with a written confirmation of the investigation results and any corrections made. If you are unable to verify the disputed information, delete it from all major credit bureaus which includes XXXX, Equifax, XXXX and XXXX. Please acknowledge receipt of this dispute within XXXX days as required by the FCRA. You can reach me at mail or email if you require any further information or clarification. Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
Frequently Asked Questions
What is Complaint #9301898 about?
Complaint #9301898 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 2024-06-19T12:00:00-05:00.
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.