Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12508206
Complaint Overview
Complaint ID: 12508206
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: New York
ZIP Code: 11580
Date Received: 2025-03-16T12:00:00-05:00
Date Sent to Company: 2025-04-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reappearance of the XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX previously XXXX XXXX ) on my credit report. This account was previously removed from my credit report, and I was under the impression that it was resolved and no longer appearing. However, I have recently noticed that this account has been re-reported by Equifax on my credit file as of [ date of reappearance ]. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Violation of FCRA and FDCPA Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Furthermore, under Section 611 of the FCRA, if an item is disputed, the credit reporting agency is required to conduct a thorough investigation and either verify or delete the information in a timely manner. In this case, Equifax has failed to verify the accuracy of this account and has wrongly allowed this account to reappear on my report without proper verification, despite the fact that it was previously removed. Additionally, under the FDCPA, creditors and credit reporting agencies are prohibited from reporting inaccurate information that is not verified. Equifaxs failure to adhere to these legal standards is damaging to my financial well-being and has caused severe harm. The presence of this inaccurate account has the potential to negatively affect my credit score, limit my ability to obtain new credit, and increase my financial costsdamaging my financial stability. Impact on Financial Well-being The reporting of this account has caused a significant financial burden and undue stress. It has hindered my ability to obtain credit at favorable terms and has created a false and misleading credit profile. This has had long-lasting negative effects on my ability to manage debt, secure loans, and improve my credit rating.
Frequently Asked Questions
What is Complaint #12508206 about?
Complaint #12508206 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 2025-03-16T12:00:00-05:00.
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.