Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12848222
Complaint Overview
Complaint ID: 12848222
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: California
ZIP Code: 91773
Date Received: 2025-04-06T12:00:00-05:00
Date Sent to Company: 2025-04-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ________________________________________ To : TransUnion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal Demand for Deletion and Compliance FCRA Violations and Improper Handling of Disputes ________________________________________ To TransUnion : You have repeatedly : Verified disputed accounts without providing any documentation or valid method of verification. Reinserted previously deleted accounts without required notice in violation of FCRA 1681i ( a ) ( 5 ) ( B ). Allowed deleted accounts to reappear under new entries or with modified account numbers. Reported conflicting balances and statuses across investigations and disputes. Ignored multiple disputes with new supporting documentation. Failed to ensure accuracy as required under FCRA 1681e ( b ), and violated 1681i ( a ) by refusing to reinvestigate in good faith. Disputed accounts : XXXX XXXX XXXXXXXX | Account # XXXX | {$36000.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX | Account # XXXX | {$7900.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX | Account # XXXX | {$4500.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | Account [ Redacted ] | Deleted | [ XX/XX/XXXX ] XXXX XXXX XXXX | Account XXXX XXXX XXXX {$1200.00} | [ XX/XX/XXXX ] XXXX XXXX XXXX | Account XXXX XXXX XXXX {$1300.00} | [ Dates not specified ] ________________________________________ To XXXX : You have repeatedly XXXX Failed to remove or correct disputed data even after acknowledging errors. Reinserted deleted accounts without notification. Ignored dispute submissions and CFPB follow-ups. Reported differing and inaccurate balances across tradelines. Failed to provide written confirmation of removals or investigation results. Reported personal information ( e.g., addresses ) inaccurately and refused to correct them. Disputed accounts : XXXX XXXX XXXX | Account # Ending XXXX | {$36000.00} | [ XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX | Account # Ending XXXX | {$7900.00} | [ XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX | Account # Ending XXXX | {$93.00} | [ XX/XX/XXXX, XX/XX/XXXX ] XXXX | Account # Ending XXXX | {$11000.00} | [ XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | Account [ Redacted ] | Deleted | [ XX/XX/XXXX, XX/XX/XXXX ] ________________________________________ To Experian : You have repeatedly : Reinserted previously deleted accounts without providing any written notice as required under FCRA 1681i ( a ) ( 5 ) ( B ). Refused to reinvestigate legitimate disputes by claiming " previously disputed '' status, even when new documentation was submitted. Reported inconsistent data across credit reports, including payment histories and account statuses. Passed off responsibility to your internal Dispute Center without issuing timely or valid results. Failed to properly respond to CFPB case escalations. Maintained incorrect account balances and failed to correct basic inaccuracies like names and addresses. Disputed accounts : XXXX XXXX XXXX | Account # XXXX | {$7900.00} and {$93.00} | [ XX/XX/XXXX, Multiple prior disputes See CFPB XXXX, XXXX ] XXXX XXXX Services | Account # XXXX | {$4500.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX | Account # XXXX | Deleted | [ XX/XX/XXXX ] XXXX Final Demands : Under FCRA 1681e, 1681i, 1681c, and other applicable laws, I am demanding the following : Immediate deletion of the inaccurate, unverifiable, and improperly reinserted accounts listed above. A complete, written response documenting the methods of verification and corrective actions taken. Certification that any deleted information will not be reinserted unless all statutory requirements are satisfied. Should you fail to comply, I will pursue additional complaints, regulatory escalation, and legal action under FCRA 616, 617 for damages caused by your ongoing violations. Please acknowledge this letter in writing and confirm all actions taken within XXXX calendar days. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12848222 about?
Complaint #12848222 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 2025-04-06T12:00:00-05:00.
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.