Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13129533

Complaint Overview

Complaint ID: 13129533

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: Pennsylvania

ZIP Code: 18102

Date Received: 2025-04-22T12:00:00-05:00

Date Sent to Company: 2025-04-22T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Dear Consumer Financial Protection Bureau, I am writing to express my profound distress and disappointment regarding the repeated disregard of my disputes of negative items in my credit report by the credit bureaus. Despite my diligent efforts to rectify inaccuracies in my credit history, the credit bureaus have persistently failed to address my concerns, thus severely impacting my financial well-being and consumer rights. Under the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681 section 602 A, it is unequivocally stated that consumer reporting agencies must adhere to reasonable procedures to ensure maximum possible accuracy of the information contained in consumers ' credit reports. However, the ongoing negligence exhibited by the credit bureaus in addressing my disputes directly violates this fundamental provision designed to safeguard consumer rights. Furthermore, in accordance with 15 U.S.C 1681 Section 604 A, Section 2, I am entitled to receive a prompt response from the credit bureaus regarding the investigation of any disputed items on my credit report. Despite my repeated attempts to engage with the credit bureaus and provide ample evidence supporting the inaccuracies in my credit report, I have been met with blatant disregard and delayed responses, thereby exacerbating the detrimental impact on my financial standing. Moreover, according to 15 U.S.C 1681c. ( a ) ( 5 ), I have the explicit right to dispute any information contained in my credit report that I believe to be inaccurate or incomplete. This provision underscores the importance of consumer empowerment and the obligation of credit bureaus to facilitate the resolution of disputes in a timely and effective manner. However, the persistent failure of the credit bureaus to acknowledge and rectify the disputed items on my credit report directly contravenes this statutory provision, thereby depriving me of my fundamental rights as a consumer. List of negative items in Question : XXXX XXXX XXXX - XXXX - XX/XX/year> I implore the Consumer Financial Protection Bureau to intervene expeditiously and compel the credit bureaus to fulfill their legal obligations under the FCRA. I respectfully request a thorough investigation into the mishandling of my disputes and the implementation of corrective measures to rectify the inaccuracies in my credit report without further delay. My financial stability and consumer rights hang in the balance, and I trust that the CFPB will act decisively to uphold justice and accountability in the realm of credit reporting. Thank you for your attention to this urgent matter. I eagerly await your prompt response and decisive action in addressing this grievous issue. Sincerely, XXXX XXXX

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