Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12128002
Complaint Overview
Complaint ID: 12128002
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: 902XX
Date Received: 2025-02-18T12:00:00-05:00
Date Sent to Company: 2025-02-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute Demand for Immediate Deletion of Fraudulent Accounts and Compliance with FCRA To Whom It May Concern, I am formally disputing the reporting of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts on my Equifax credit report. These accounts were fraudulently opened in my name due to identity theft, and both creditors have confirmed that I was a victim of fraud. Despite this confirmation, Equifax has failed to properly investigate and remove these accounts, violating my rights under the Fair Credit Reporting Act ( FCRA ). I have repeatedly submitted supporting identity theft documents through the CFPB website and by certified mail on XX/XX/year>. However, a representative from the Equifax Consumer Affairs Department, XXXX ( Employee ID : XXXX ), falsely claimed that Equifax has not received these documents. Furthermore, Equifax has refused to block these fraudulent accounts under FCRA 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block fraudulent information within four business days upon receipt of proof of identity theft. It has also been confirmed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that they have never received any dispute or fraud notification from Equifax regarding these accounts. This raises serious concerns about Equifaxs failure to properly process and communicate disputes, which directly impacts my ability to restore my credit. Resolution Demanded : Immediately and permanently delete the fraudulent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts from my Equifax credit report. Provide written confirmation that these accounts have been deleted and will not be reinserted in the future. Ensure compliance with FCRA laws by properly investigating and blocking fraudulent accounts upon receiving supporting documentation. If this matter is not resolved within the 30-day timeframe required by law, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for further action. Equifaxs failure to process disputes and block fraudulent accounts violates the FCRA, and I will not hesitate to seek legal remedies to enforce my consumer rights. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12128002 about?
Complaint #12128002 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 2025-02-18T12:00:00-05:00.
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.