Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12431402
Complaint Overview
Complaint ID: 12431402
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: 90503
Date Received: 2025-03-11T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning the recent disputes I filed regarding identity theft on my credit report. According to FCRA Section 609 ( a ) ( 1 ) ( A ), I am entitled to a free copy of any information that has been used to support the negative entry in my credit report, including investigation results for disputes raised. Despite my lawful dispute submission, I have not received the investigation results for the information I contested, and more importantly, I have been told that my disputes regarding identity theft are invalid. I find this both inaccurate and unjustified. Under Section 605B of the FCRA, if a consumer reports that they have been a victim of identity theft, the credit reporting agency is required to block the fraudulent information from their credit report within four business days. In my case, not only has the information not been removed, but I have also been informed that my disputes are invalid. This stands in direct violation of my consumer rights. Case Law to Support My Position : XXXX. XXXX XXXX Equifax Information Services, LLC, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) In this case, the court ruled that a credit bureau must conduct a reasonable investigation when a consumer disputes information on their credit report. Failure to investigate, especially after a consumer claims identity theft, is a violation of the FCRA. XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The court determined that under the FCRA, credit bureaus must take appropriate steps to ensure the accuracy and completeness of information they report, and failure to properly handle a dispute may result in liability for damages. XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) The court emphasized that credit reporting agencies must investigate consumer disputes properly and provide results in a timely manner. Ignoring or invalidating a claim of identity theft is a direct violation of the FCRA. I request that you immediately : 1. Provide me with the results of the investigation you conducted regarding the identity theft disputes I have raised. 2. Correct or remove any fraudulent information from my credit report that is a result of identity theft. 3. Cease labeling my disputes as invalid and treat them in accordance with my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12431402 about?
Complaint #12431402 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 2025-03-11T12:00:00-05:00.
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.