Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13147772
Complaint Overview
Complaint ID: 13147772
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 Jersey
ZIP Code: 07871
Date Received: 2025-04-23T12:00:00-05:00
Date Sent to Company: 2025-04-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my final attempt to resolve the ongoing reinsertion of inaccurate and previously deleted information in my credit report. Despite multiple disputes and formal documentation proving that these XXXX accounts were unverifiable and removed as of XX/XX/year>, they continue to reappearwithout any proper reinvestigation or notification, in violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are legally required to conduct a reasonable investigation within 30 days, and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) requires timely responses detailing the results. To date, the agency has failed to provide any explanation on how these accounts were verified. The reinsertions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XXXX XXXX after confirmed deletionsare clear violations of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates notice and certification of accuracy within five business days of reinsertion. I have attached both Equifaxs XX/XX/XXXX deletion confirmation and their XX/XX/XXXX CFPB dispute responseboth contradict the current reporting. After paying out-of-pocket to verify, I confirmed these accounts are still listed. This situation is causing ongoing harm, and I now demand the permanent deletion of these reinserted, unverified accounts. I will not tolerate this ongoing damage to my credit and peace of mind.
Frequently Asked Questions
What is Complaint #13147772 about?
Complaint #13147772 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 2025-04-23T12:00:00-05:00.
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.