Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12411260
Complaint Overview
Complaint ID: 12411260
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: New York
ZIP Code: 109XX
Date Received: 2025-03-10T12:00:00-05:00
Date Sent to Company: 2025-03-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to complain about an identity theft case involving a XXXX XXXX XXXX with XXXX XXXX. My son used my personal information to add me as a cosigner without my knowledge or consent. As I stated in my FTC identity theft report, I never agreed to or signed for this loan. I never signed any documents, visited any bank, or gave any consent in person, over the phone, or in writing for this loan. My son has a XXXX XXXX that affects his judgment, and he took advantage of me by using my information without permission. I also have a learning XXXX and XXXX XXXXXXXX, which makes it hard for me to understand things like this. I did not know my name was on this loan. When XXXX XXXX called about missed payments, I made a few payments, thinking I was just helping my son, like any mother would. I had no idea I was legally responsible for the loan. I gave XXXX XXXX medical proof of my XXXX XXXX, but they still denied my claim. They said the few payments I made meant I accepted the loan. This is not fair. I was tricked, and now I am being punished for trying to help my son. I am asking XXXX XXXX to review my case again and remove my name from this loan. I should not be held responsible for something I never agreed to. Please let me know what can be done to fix this.
Frequently Asked Questions
What is Complaint #12411260 about?
Complaint #12411260 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 2025-03-10T12:00:00-05:00.
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.