Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13189878
Complaint Overview
Complaint ID: 13189878
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: Texas
ZIP Code: 77520
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
b'XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX, TX XXXX\nXXXX\nXXXXXXXX\nXXXX\nDate: XXXX2025\n\nTo:\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX\nXXXX, DC XXXX\nor submitted via: https://www.consumerfinance.gov/complaint/\n\nSubject: Formal Dispute and Complaint Against Credit Bureaus for Reporting Inaccurate/Unverifiable Collection Accounts\n\nTo Whom It May Concern,\n\nI am filing this formal dispute and complaint with the Consumer Financial Protection Bureau regarding the failure of the credit reporting agencies (Experian, TransUnion, and Equifax) to remove inaccurate, outdated, and/or unverifiable collection accounts from my credit reports in violation of the Fair Credit Reporting Act (FCRA).\n\nI have previously disputed the following collection accounts directly with the credit bureaus, but they continue to remain on my credit file despite being inaccurate, incomplete, or unverified. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable investigation and delete any information that cannot be verified within 30 days. They have failed to comply with this obligation.\n\nThe collection accounts listed below do not meet FCRA accuracy standards, and either:\n\nAre not mine\n\nAre the result of identity theft or errors\n\nWere not properly validated by the data furnisher\n\nHave missing or inaccurate information\n\nAre reporting past the legal statute of limitations for reporting negative information (7 years for most items under 15 U.S.C. 1681c)\n\nAccounts in Question:\n\n XXXX XXXX XXXX Account #XXXX Reason: Not mine/No validation\n\nDEPT OF ED/XXXX Account #XXXX XXXX \nReason: No validation \n\nXXXX XXXX XXXX Account #XXXX Reason: Not mine/No validation\n\nXXXX XXXX XXXX Account#XXXX Reason: No validation\n\nXXXX XXXX Account#XXXX Reason: No validation\n\nXXXX XXXX XXXX XXXX Account#XXXX Reason: No validation\n\nXXXX XXXX Account#XXXX Reason: No validation\n\nI am requesting immediate removal of these accounts from my credit reports and a thorough investigation into the credit bureaus practices regarding these entries. I have attached supporting documentation, including:\n\n\nIdentification and proof of address\n\n\nThis matter has caused significant harm to my credit standing and financial well-being. If these items are not permanently removed and this matter not resolved swiftly, I will consider escalating further with legal counsel and filing a formal complaint with the Federal Trade Commission (FTC) and State Attorney General.\n\nPlease investigate and respond accordingly. I expect a response within the timeframe required by law.\n\nSincerely,\nXXXX XXXX XXXX\n\nAttachments:\n\nGovernment-issued ID\n\nUtility bill or lease (proof of address)'
Frequently Asked Questions
What is Complaint #13189878 about?
Complaint #13189878 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.