Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13420126
Complaint Overview
Complaint ID: 13420126
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: Pennsylvania
ZIP Code: 19020
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
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 PA XXXX Date : XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Fraudulent Accounts under FCRA 1681c-2 and Metro 2 Compliance Guidelines Dear Experian, I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached. These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. Notably, the accounts in question show unusual patterns such as lack of payment history followed by immediate delinquencies, which should have raised flags under Metro 2 indicators. These are significant indicators of potential identity theft or misreporting and warrant immediate investigation and removal. Accounts to be Investigated and Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 1681c-2, I am requesting the following : A block of all listed accounts believed to be fraudulent. Immediate reinvestigation and deletion if accounts can not be verified as valid. A full report of the outcome of your investigation within 30 days as required by law. Failure to comply with these obligations may constitute willful noncompliance with the FCRA, and I reserve the right to take further legal action if necessary. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13420126 about?
Complaint #13420126 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 2025-05-08T12:00:00-05:00.
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.