Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12076189
Complaint Overview
Complaint ID: 12076189
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: California
ZIP Code: 90262
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
Subject : Formal Dispute Request for Immediate Deletion of Two XXXX XXXX XXXX XXXX Accounts To Whom It May Concern, I am formally disputing the reporting of two XXXX XXXX XXXX XXXX XXXX accounts on my Equifax credit report. These accounts are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which states that derogatory accounts can not be reported beyond seven years from the date of first delinquency. I stopped making payments on these accounts over eight years ago, yet XXXX XXXX XXXX is falsely reporting recent activity to manipulate the Date of Last Payment and artificially extend the reporting period. This practice, known as re-aging, is a direct violation of the FCRA. Pursuant to 15 U.S.C. 1681i, I request an immediate investigation into this inaccurate reporting. If XXXX XXXX XXXX can not provide verifiable proof, in compliance with the FCRA, that I have made payments within the past seven years, these accounts must be permanently deleted from my credit report. Additionally, I request a written statement confirming the deletion of these accounts once the investigation is complete. If Equifax fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and take further legal action if necessary. Thank you for your prompt attention to this matter. I expect a resolution within the 30-day timeframe required by law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12076189 about?
Complaint #12076189 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.