Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12500329
Complaint Overview
Complaint ID: 12500329
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 11210
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter serves as a formal Notice of Dispute regarding the inaccurate, outdated, unverifiable, and unauthorized information appearing on my credit report. I am writing in response to your correspondence dated [ insert date of their response ], which I received through the CFPB Complaint Portal. Your investigation results fail to adequately address the issues raised in my initial dispute and do not comply with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a. Specific Disputes and Concerns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : Your response states that this item has been verified as belonging to me and that certain fields have been modified. However, you have not provided any evidence or documentation to substantiate the accuracy of the reported information. The account opening date and late payment notations remain incorrect and exceed the permissible reporting period under 15 U.S.C. 1681c ( a ) ( 4 ). Additionally, no written authorization was provided for the reporting of this account, violating the Privacy Act of 1974, 5 U.S.C. 552a ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : While you claim that this account has been updated, the delinquent payments reported were resolved prior to the reporting period. The continued inclusion of this inaccurate information violates 15 U.S.C. 1681e ( b ), which requires " maximum possible accuracy '' in consumer reports. Furthermore, the furnisher has failed to provide verification of the debt, as required under 15 U.S.C. 1692g ( b ). XXXX XXXX XXXX : Your response asserts that this item is reported correctly, yet no evidence or documentation has been provided to substantiate the total balance owed. The furnisher has failed to validate the debt despite multiple requests, violating 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1022.21 ( c ). Additionally, the continued reporting of unverifiable information violates 15 U.S.C. 1681c-2, which mandates the blocking of disputed items stemming from identity theft. XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) : While you state that this item is not currently reporting on my Equifax credit file, I demand written confirmation that this account has been permanently removed and will not reappear on my credit report in the future. Legal Basis for Dispute : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to ensure " maximum possible accuracy '' of information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishers from providing inaccurate or unverified information. 15 U.S.C. 1681c ( a ) : Limits the reporting of certain derogatory information to seven years. 15 U.S.C. 1681b : Restricts consumer reporting agencies from adding items to a report without written consent. Privacy Act of XXXX ( 5 U.S.C. 552a ) : Protects again st unauthorized disclosure of personal information, including consumer reports. 15 U.S.C. 1692g : Establishes the right to debt validation by furnishers.
Frequently Asked Questions
What is Complaint #12500329 about?
Complaint #12500329 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 2025-03-15T12:00:00-05:00.
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.