Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12010584
Complaint Overview
Complaint ID: 12010584
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: North Carolina
ZIP Code: 28216
Date Received: 2025-02-09T12:00:00-05:00
Date Sent to Company: 2025-02-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am writing to file a formal complaint against all three major credit reporting agencies ( CRAs ) - Experian, TransUnion, and Equifax - for their failure to conduct reasonable investigations of my disputes as required by the Fair Credit Reporting Act ( FCRA ). Legal Basis for Complaint : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable investigation of disputed information Review and consider all relevant information submitted by the consumer Complete the investigation within 30 days Provide written results of the investigation to the consumer Specific Violations : The credit bureaus have failed to meet these obligations in the following ways : They did not conduct meaningful investigations of my disputes, instead merely parroting back information from the furnishers without independent verification They failed to consider the supporting documentation I provided with my disputes They continued to report inaccurate information even after being presented with evidence of its inaccuracy Financial Impact : Due to their failure to properly investigate and correct the inaccurate information, I have suffered significant financial harm : Denial of credit opportunities Higher interest rates on existing accounts Difficulty obtaining housing/employment Emotional distress from dealing with persistent inaccuracies Requested Resolution : I request that the CFPB : Investigate the credit bureaus ' dispute investigation practices Require them to conduct proper investigations of my disputes as required by law Hold them accountable for violations of the FCRA Require them to implement better dispute investigation procedures Provide appropriate monetary compensation for the financial harm caused I have maintained detailed records of all my disputes and the bureaus ' responses, which I can provide upon request. Under the FCRA, I am entitled to accurate credit reporting and proper investigation of my disputes. The credit bureaus ' failure to fulfill their legal obligations has caused me significant harm that needs to be addressed. Thank you for your attention to this matter. I look forward to your response.
Frequently Asked Questions
What is Complaint #12010584 about?
Complaint #12010584 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 2025-02-09T12:00:00-05:00.
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.