Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13497903
Complaint Overview
Complaint ID: 13497903
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: Ohio
ZIP Code: 43612
Date Received: 2025-05-13T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OhioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XXXXXX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft & Dispute of Inaccurate Information under FCRA 602, 604, 605B | Request for Immediate Blocking of Fraudulent Data To Whom It May Concern : I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( Section 605B ), to formally dispute and request the blocking and removal of fraudulent and inaccurate accounts that are appearing on my consumer credit reports as a result of identity theft. A complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. Under Section 605B, you are required to block the fraudulent information from my credit file within 4 to 7 business days of receipt of this request and supporting documentation. The following accounts were fraudulently opened without my knowledge or authorization : XXXX Account, Opened XX/XX/XXXX XXXX Account, Opened XX/XX/XXXX XXXX Account, Opened XX/XX/XXXX These accounts contain inaccurate information, including incorrect dates and identifiers, and were not authorized by me. Additionally, these accounts have resulted in unauthorized hard inquiries, which I also request be immediately deleted. I invoke my rights under the following sections of the FCRA : 15 U.S.C. 1681c-2 ( Section 605B ) : You must block the reporting of information that I identify as the result of identity theft within 47 business days after receiving proof of identity and a valid identity theft report. 15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy and fair treatment in the use of my credit information. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : No consumer reporting agency shall furnish a consumer report unless the consumer has provided written instructions or authorization. I am requesting the following actions be taken immediately : 1. Block and remove all fraudulent accounts listed above from all three credit bureaus : Experian, Equifax, and TransUnion. 2. Delete any associated hard inquiries connected to these accounts. 3. Provide me with an updated copy of my credit report showing the removal of these items.
Frequently Asked Questions
What is Complaint #13497903 about?
Complaint #13497903 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 2025-05-13T12:00:00-05:00.
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.