Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12659808
Complaint Overview
Complaint ID: 12659808
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: Maryland
ZIP Code: 20744
Date Received: 2025-03-24T12:00:00-05:00
Date Sent to Company: 2025-03-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Equifax 's negligence and repeated violations of the Fair Credit Reporting Act ( FCRA ). In XX/XX/XXXX, Equifax removed a fraudulent account ( XXXX XXXX ending in XXXX ) from my credit report following my initial dispute supported by an FTC Identity Theft Report ( # XXXX ) and a Police Report ( XXXX XXXX Police Report # XXXX ). However, Equifax subsequently reinserted this fraudulent account, stating the creditor provided " more information. '' Despite their claim, Equifax has never shared this alleged new information with me, nor did they provide written notice of reinsertion within five business days as required by federal law under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, the following inquiries were made without my consent and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prohibits unauthorized inquiries. As I never provided authorization, Equifax must remove them immediately. Furthermore, Equifax has failed to block the following fraudulent student loan as required under FCRA 605B : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) {$XXXX}
Frequently Asked Questions
What is Complaint #12659808 about?
Complaint #12659808 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 2025-03-24T12:00:00-05:00.
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.