Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13425533
Complaint Overview
Complaint ID: 13425533
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Michigan
ZIP Code: 48091
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
I am submitting this complaint based on a formal dispute letter I sent to Equifax on XX/XX/year>, requesting corrections to several inaccurate or unverifiable accounts and personal information listed in my credit report. Equifax has failed to investigate and respond within the required FCRA time frame and continues to report false data in violation of multiple FCRA provisions. Violations Identified : 1. Inaccurate or Outdated Personal Information ( Violation of 1681e ( b ) ) : Incorrect name : XXXX XXXX XXXX AdXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These are misattributed or outdated. Continued publication is a failure to ensure maximum possible accuracy. 2. Failure to Validate Disputed Accounts ( Violations of 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ) ) : Equifax is inaccurately reporting the following accounts : Furnisher Account # Dispute Details XXXX XXXX XXXX Late payments reported without validation ; not shown on other bureaus 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fails to report in compliance with Metro 2 standards ; no documentation offered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fails to report any clear furnishing source or validation of accuracy Equifax has failed to comply with the FCRA-mandated 30-day dispute window and did not provide a method of verification. This violates 1681i ( a ) ( 6 ) and warrants immediate deletion. 3. Failure to Provide Proper Notification of Negative Information ( Violation of 623 ( a ) ( 7 ) ) : I was never properly notified when negative data was added to my report, nor was I given an opportunity to review or contest it beforehand. This directly violates 623 ( a ) ( 7 ) of the FCRA.
Frequently Asked Questions
What is Complaint #13425533 about?
Complaint #13425533 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.