Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390078
Complaint Overview
Complaint ID: 9390078
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: Florida
ZIP Code: 33020
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Details : I am filing a complaint against XXXX for continuing to report my student loan debt inaccurately despite receiving a Copy B of a 1099-C, which indicates the debt should be considered canceled and reported as paid in full. Key Points : 1. Incorrect Reporting of Student Loan Status : I received a Copy B of a 1099-C from XXXX, indicating the cancellation of my student loan debt. Despite this, XXXX continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). XXXX. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. XXXX has failed to ensure that the information they are reporting is accurate and complete. 15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. XXXX. Neglect of Consumer Rights : XXXX ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( EFTA ).
Frequently Asked Questions
What is Complaint #9390078 about?
Complaint #9390078 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 2024-06-30T12:00:00-05:00.
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.