Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12726526
Complaint Overview
Complaint ID: 12726526
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 34974
Date Received: 2025-03-29T12:00:00-05:00
Date Sent to Company: 2025-03-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Name : XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion, Equifax & Experian ( ID Card ATTACHED BELOW ) Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15USC 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not. directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-1 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party, 2. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Remove Following Non-Mailing Addresses listed that : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Remove Fraudulent Accounts Listed Below : XXXX. XXXX XXXX, Opened XX/XX/XXXX, Auto Loan XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX, Credit Card XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Auto Loan XXXX. XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Collections XXXX. XXXX XXXX XXXX, Opened XX/XX/XXXX, Credit Card XXXX. XXXX XXXX XXXX, Opened XX/XX/XXXX. Credit Card XXXX. XXXX XXXX XXXX, Opened XX/XX/XXXX, Collections XXXX. XXXX XXXX, Opened XX/XX/XXXX, Charge off XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Opened XX/XX/XXXX, Collection XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Opened XX/XX/XXXX, Collections XXXX. XXXX, OpenedXXXX, Collection XXXX. XXXX XXXX XXXX, Opened XX/XX/XXXX, Credit Card XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Collection XXXX. XXXX XXXX, Opened XX/XX/XXXX, Collection Remove Fraudulent Inquiries Listed Below : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Frequently Asked Questions
What is Complaint #12726526 about?
Complaint #12726526 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-29T12:00:00-05:00.
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.