Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12179135
Complaint Overview
Complaint ID: 12179135
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: Florida
ZIP Code: 34771
Date Received: 2025-02-22T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint for Lack of Verification and Unfair Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and its regulations. Over the past several months, I have repeatedly requested documented proof of the verification of several negative accounts appearing on my credit report, including Charge-Off accounts and collection accounts. However, instead of providing the required documentation to validate these accounts, I have only received generic responses with no actual evidence. Under FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough verification and provide clear evidence when a consumer disputes the accuracy of an account. In this case, TransUnion has failed to comply with this requirement, as they have not presented any proof justifying the continued reporting of these accounts on my credit file. Additionally, the repeated updating of these accounts without proper verification constitutes an unfair practice that is negatively impacting my credit score. Therefore, I am requesting the CFPBs intervention to : 1. Require TransUnion to provide the appropriate documentation supporting the verification of these accounts. 2. Order the immediate removal of any account that has not been properly verified. 3. Take corrective action against TransUnion for non-compliance with the FCRA and its harmful reporting practices. I appreciate your prompt attention to this matter and look forward to your response regarding the actions that will be taken to ensure compliance with the law.
Frequently Asked Questions
What is Complaint #12179135 about?
Complaint #12179135 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 2025-02-22T12:00:00-05:00.
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.