Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10966283
Complaint Overview
Complaint ID: 10966283
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: Georgia
ZIP Code: 30312
Date Received: 2024-11-28T12:00:00-05:00
Date Sent to Company: 2024-11-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Equifax for Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for XXXX the Fair Credit Reporting Act ( FCRA ) by failing to exercise due diligence in processing and reporting accurate information to my credit file. Despite submitting certified documents, including my current lease, W-2 with complete SSN, paycheck stub, birth certificates, Georgia ID , and USPS address change form, Equifax has repeatedly neglected my requests to update my credit report with accurate information. This includes my legal name, XXXX XXXX XXXX, my address at XXXX XXXX XXXX XXXX, and my employment details at XXXX and XXXX XXXX, which are correctly reflected in my reports with XXXX and XXXX. This negligence violates multiple provisions of the FCRA, specifically : 1. **Accuracy and Integrity Requirement ( 15 U.S.C. 1681s-2 ) ** : Equifax is mandated to ensure the accuracy and completeness of the information it reports. The failure to correct and update my personal information constitutes non-compliance with this requirement. 2. **Procedures for Consumer Disputes ( 15 U.S.C . 1681i ) ** : Equifax is required to conduct a reasonable reinvestigation of any disputed information. Despite submitting disputes and supporting documentation three times, Equifax has failed to take appropriate action to rectify these inaccuracies. 3. **Enforcement and Non-Compliance** : Under the FCRA, failure to comply with accurate reporting mandates can result in regulatory action, penalties, and potential damages to consumers for any harm caused by inaccuracies in their credit reports. Equifax 's failure to accurately report this information has severely affected my ability to secure financing for both personal and business purposes. Lenders have reported difficulties in locating a credit file that matches my legal and given information, which has been problematic for accessing credit and accurately assessing my current creditworthiness. I request immediate correction of my credit file to accurately reflect my personal details and credit history. Additionally, I urge your office to investigate this matter thoroughly to prevent further violations and to ensure Equifax complies with the FCRA. Please provide a written response acknowledging receipt of this complaint and outlining the steps Equifax will take to resolve these issues promptly. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ XXXX A XXXX ] Enclosures : Copies of supporting documents ( lease, W-2, paycheck stub, birth certificates, Georgia ID , USPS address change form )
Frequently Asked Questions
What is Complaint #10966283 about?
Complaint #10966283 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 2024-11-28T12:00:00-05:00.
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.