Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13331405
Complaint Overview
Complaint ID: 13331405
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: Texas
ZIP Code: 75115
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint XXXX XXXX XXXX Reporting Fraudulent Account in Violation of Federal Law Dear CFPB, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their continued reporting of a fraudulent account on my credit report, which I did not authorize or open. I believe I am a victim of identity theft, potentially connected to the 2017 Equifax data breach, which exposed sensitive personal data to criminals and put millions of consumers at risk. Despite having sent formal dispute letters and requests for debt validation, XXXX XXXX has failed to provide adequate verification or remove this inaccurate account. Their actions may constitute multiple violations of federal law : Applicable Laws Being Violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681i Failure to conduct a reasonable investigation of a disputed item. 1681s-2 ( b ) Furnishers ( like XXXX XXXX XXXX must investigate disputes and remove or correct inaccurate information. 1681c-2 Credit reporting agencies must block information resulting from identity theft within 4 business days upon receiving proper documentation. 2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692g XXXX XXXX failed to provide validation of the alleged debt after my written request. 1692e It is illegal to use false, deceptive, or misleading means to collect a debt, including reporting a fraudulent account. 3. Identity Theft Enforcement and Restitution Act XXXXXXXX XXXX continued reporting of a known identity theft account may support a claim under federal identity theft statutes and entitles me to protection and restitution. Relief Requested : I respectfully request that the CFPB : Investigate XXXX XXXX XXXX noncompliance with the above laws, Ensure that they cease reporting the fraudulent account, and XXXX XXXX XXXX and the credit bureaus to permanently delete the account unless they provide legal, verifiable documentation proving its validity. I am including supporting documentation : A copy of my FTC Identity Theft Report, Dispute letters sent to XXXX XXXX and the credit bureaus, A copy of my government-issued ID. Thank you for your attention to this matter. I look forward to your assistance in helping me protect and restore my credit. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13331405 about?
Complaint #13331405 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 2025-05-04T12:00:00-05:00.
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.