Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12452169
Complaint Overview
Complaint ID: 12452169
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: Virginia
ZIP Code: 23602
Date Received: 2025-03-12T12:00:00-05:00
Date Sent to Company: 2025-03-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I formally disputed an inaccurate account on my Equifax credit report on XX/XX/year> and requested proper verification under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. Despite my good faith efforts, Equifax has failed to provide legally required documentation to support the reported information. First Dispute Sent I requested verification of the account under FCRA 609 ( a ) ( 1 ), asking for a copy of any original signed contract proving I am responsible for this debt. Equifax Verified the Account However, they failed to provide supporting documentation, violating FCRA 611, which requires credit bureaus to conduct a meaningful investigation. Second Dispute Sent I followed up, demanding physical proof that Equifax obtained verification directly from the furnisher. Equifax responded with the same verification response but still failed to provide actual proof. Account Remains Inaccurate Equifax has not conducted a proper investigation and continues to report inaccurate, unverified, and potentially re-aged information.
Frequently Asked Questions
What is Complaint #12452169 about?
Complaint #12452169 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 2025-03-12T12:00:00-05:00.
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.