Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10589708
Complaint Overview
Complaint ID: 10589708
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Maryland
ZIP Code: 20745
Date Received: 2024-10-26T12:00:00-05:00
Date Sent to Company: 2024-10-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Incorrect Names and Addresses on Credit Report XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX I am submitting this complaint to address the reporting of inaccurate personal information, including incorrect names and addresses, on my credit report. Specifically, any name that does not exactly match XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX is incorrect and must be removed immediately to ensure accurate reporting. Applicable Consumer Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : This law entitles me to a credit report that contains only accurate information about my identity. Including incorrect names or addresses on my report violates my right to clear and correct reporting. 2. FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or incomplete information, and the credit reporting agency is obligated to investigate my dispute, correct or delete inaccurate entries within 30 days, and notify me of the result. 3. FCRA, Section 604 ( c ) ( 1 ) ( B ) : This section mandates that credit reporting agencies must take steps to prevent the misidentification of individuals, which includes ensuring that incorrect names and addresses do not remain on my report. 4. Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 10 ) : Misrepresentation of my identity with incorrect names and addresses may mislead third parties about my creditworthiness and could amount to deceptive practices.
Frequently Asked Questions
What is Complaint #10589708 about?
Complaint #10589708 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 2024-10-26T12:00:00-05:00.
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.