Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10879204
Complaint Overview
Complaint ID: 10879204
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 33837
Date Received: 2024-11-19T12:00:00-05:00
Date Sent to Company: 2024-11-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed an account associated with XXXX XXXX on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/year>2021. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. The discrepancies include : XXXX. The Date Opened is listed as XX/XX/year>2021, by XXXX, but XXXX and Equifax report it as XX/XX/scrub> 2021. XXXX. The account is listed as Derogatory by XXXX and XXXX, while Equifax reports it as Open. XXXX. The reported balance is {$15000.00} on XXXX and XXXX but {$0.00} on Equifax. XXXX. The High Credit amount is reported as {$21000.00} by XXXX but {$0.00} by XXXX and Equifax. I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or XXXX XXXX. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #10879204 about?
Complaint #10879204 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 2024-11-19T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.