Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12076150
Complaint Overview
Complaint ID: 12076150
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: New York
ZIP Code: 11580
Date Received: 2025-02-13T12:00:00-05:00
Date Sent to Company: 2025-02-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally notify you of a claim regarding my personal credit report, which contains inaccurate, incomplete, or unverified information that requires immediate review and correction. This letter serves as both a Notice of Claim and a demand for compensation for damages resulting from your violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. My consumer information is listed below : Claim Details : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your office was notified USPS certified mail on several occasions requesting debt validation in addition your office was provided a cease and desist. XXXX XXXX XXXX is in violation of multiple FCRA 15 USC 1681k, 15 USC 1681, 15 USC 1681e, 15 USC 1681n, 15 USC 1681i, 15 USC 1692g. ( XXXX XXXX equifax ). **Requested Action : ** I DEMAND that you stop reporting immediately. Photocopies are not a validation of debt. I have not entered into any contract with spring oak capital. I DISPUTE all and any debts you claim I owe. PAY THE INVOICE FOR VIOLATIONS AND DAMAGES spring oak capital has caused to the consumer. ( XXXX XXXX XXXX XXXX XXXX XXXX. )
Frequently Asked Questions
What is Complaint #12076150 about?
Complaint #12076150 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 2025-02-13T12:00:00-05:00.
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.