Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9444539
Complaint Overview
Complaint ID: 9444539
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: 33323
Date Received: 2024-07-07T12:00:00-05:00
Date Sent to Company: 2024-07-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
formal complaint regarding the handling of my XXXX XXXX account ( account number : [ XXXX ] ) issued by XXXX XXXX XXXX. Despite never using the card, I discovered that fraudulent transactions were made on my account, which I promptly reported to your institution. Although it took several weeks to resolve the issue, your team eventually corrected the problem and closed the account at my request, leaving the balance at XXXX dollars. However, in a subsequent move that I find unacceptable, your bank has reported my account as late to the credit bureaus. This decision has caused significant damage to my credit score, which is unfair and illegal under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, 15 U.S.C. 1692e ( 8 ) prohibits debt collectors from reporting false information about a debt to a consumer reporting agency. The reporting of my account as late is a clear violation of this provision, as I did not owe any amount on the account at the time of closure. The fact that the fraudulent transactions were not my responsibility and that I took prompt action to report and resolve the issue should have absolved me of any responsibility for the outstanding balance. I request that your bank immediately take the following actions : Remove all negative reporting from my credit file ; Notify the credit bureaus to correct their records ; Provide a written explanation for this egregious error and how you plan to prevent similar situations in the future ; I would appreciate a prompt response regarding your investigation into this matter and the steps you will take to rectify this situation. If I do not receive a satisfactory response within 5 days, I will be forced to pursue further action through regulatory agencies and legal channels.
Frequently Asked Questions
What is Complaint #9444539 about?
Complaint #9444539 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 2024-07-07T12:00:00-05:00.
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.