Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13189350
Complaint Overview
Complaint ID: 13189350
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: Florida
ZIP Code: 34747
Date Received: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Demand for Compliance FTC Report File Dispute Regarding Fraudulent XXXX XXXX XXXXXXXX Account # XXXX Dear Equifax Dispute Department, I am formally demanding immediate corrective action regarding Equifaxs wrongful rejection of my Federal Trade Commission ( FTC ) report file related to fraudulent activity on a XXXX XXXX XXXXXXXX account ( # XXXX ) that does not belong to me. Despite providing all necessary documentation proving this account is fraudulent, Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This refusal is both unacceptable and unlawful. Legal Violations Committed by Equifax : Failure to Investigate Disputes ( FCRA 611, 15 U.S.C. 1681i ) Equifax is legally required to investigate disputes related to inaccurate or fraudulent credit reporting. Rejecting my FTC report without proper justification is a direct violation of this provision. Failure to Maintain Accurate Credit Reports ( FCRA 607, 15 U.S.C. 1681e ) Credit reporting agencies must ensure consumer credit files are truthful and accurate. By failing to remove fraudulent information despite clear evidence, Equifax is in violation of this requirement. Unfair Business Practices and Consumer Harm Equifax has a well-documented history of negligence in handling consumer data, as demonstrated by prior lawsuits and settlements. The refusal to address fraud-related disputes further proves systemic misconduct. Documentation Provided : I have submitted all required documents, including : My FTC fraud report detailing the fraudulent account. A copy of my government-issued identification. Any relevant correspondence regarding this issue. Immediate Demands : I require that Equifax : Immediately accept and process my FTC report file. Conduct a thorough investigation into fraudulent activity associated with XXXX XXXX XXXXXXXX account # XXXX. Remove all fraudulent information related to this account from my credit report. Provide written confirmation of corrective actions within 30 days. If Equifax fails to meet these legal obligations, I will escalate this matter further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action. This is a final notice. Immediate compliance is expected. Sincerely,
Frequently Asked Questions
What is Complaint #13189350 about?
Complaint #13189350 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 2025-04-25T12:00:00-05:00.
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.