Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13375551
Complaint Overview
Complaint ID: 13375551
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30328
Date Received: 2025-05-06T12:00:00-05:00
Date Sent to Company: 2025-05-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint concerns Equifaxs failure to correct multiple inaccurate and incomplete accounts on my credit reporteven after I submitted a formal written dispute on XX/XX/XXXX, which included valid identification documents. Despite providing proper documentation to verify my identity and clearly identifying the disputed accounts, Equifax has failed to correct or delete the inaccurate information. It has now been over 30 days, and the disputed accounts remain unresolved and continue to negatively impact my credit standing. This was my second request to Equifax, and they have still not responded with any evidence of a proper reinvestigation or provided verification from the furnisher of the XXXX XXXX XXXX reporting. Their inaction constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires timely and reasonable investigation of disputed information. As of today, Equifax has failed to respond. I believe they did not conduct a reasonable or lawful investigation, which violates the FCRA. Their actions mirror those in the CFPBs recent enforcement action : In Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX filed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the CFPB alleged that XXXX violated the FCRA by : Failing to conduct proper investigations of consumer disputes Re-inserting inaccurate information without notice Misleading consumers about dispute outcomes This type of conduct is not isolated and now appears to be a systemic failure in the credit reporting industry. Equifaxs actions have caused me financial harm and emotional distress due to their refusal to remove clearly inaccurate items despite being properly notified. I also requested confirmation of the furnisher of the XXXX XXXX XXXX XXXX To date, Equifax has failed to confirm whether the United States Northern District Court is actually furnishing this public record, which is required for accuracy under federal law.
Frequently Asked Questions
What is Complaint #13375551 about?
Complaint #13375551 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 2025-05-06T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.