Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13292752
Complaint Overview
Complaint ID: 13292752
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: Florida
ZIP Code: 33016
Date Received: 2025-05-01T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because a credit bureau is reporting an account on my credit file without my informed consent, which I consider a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681b. Although it is possible that I signed a document at the time the account was opened, I was never notified nor clearly informed that this account would be reported to credit reporting agencies. I did not receive any disclosure or written explanation about how my non-public personal information would be used. According t o FCRA 1681b, a valid legal purpose and proper authorization are required to report any information to a credit reporting agency. The lack of informed consent makes this reporting unauthorized and a violation of my financial privacy. I submitted a formal dispute to the credit bureau requesting evidence that I gave informed consent. I also cited FCRA 1681i, which states tha t they must verify or delete any information they can not confirm within 30 days. To date, I have not received any documentation proving that I authorized this reporting, nor has the account been removed from my credit file.
Frequently Asked Questions
What is Complaint #13292752 about?
Complaint #13292752 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 2025-05-01T12:00:00-05:00.
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.