Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13520929
Complaint Overview
Complaint ID: 13520929
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: Indiana
ZIP Code: 46410
Date Received: 2025-05-14T12:00:00-05:00
Date Sent to Company: 2025-05-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reporting a fraudulent XXXX XXXX XXXX account that continues to be reinserted on my credit reports, even after being previously deleted by Experian, Equifax, and TransUnion. I submitted a valid FTC Identity Theft Report, and all three bureaus confirmed the account was removed. However, the XXXX account continues to be re-added to my credit report without proper notice or investigation. Earlier this month, these companies responded to a previous CFPB complaint saying the account was deleted but that was not true. The account is still being reported and continues to harm my credit. In addition, during my most recent call with Experian, they mistakenly marked my legitimate XXXX XXXX credit card account as fraudulent and deleted it from my report. As a result, XXXX XXXX wrongfully closed my account, thinking it was part of the fraud. This account was in good standing and completely valid. I did not dispute it, and this error was entirely caused by Experians mishandling of my identity theft dispute. This has severely impacted my credit score, removed years of positive credit history, and created financial hardship. I take pride in my credit and now have to deal with the fallout of having a legitimate account wrongfully closed. I am requesting full enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2, which includes the right to block information resulting from identity theft, and protection from reinsertion of fraudulent items without proper notice. I am reporting a fraudulent XXXX XXXX XXXX account that continues to reappear on my credit reports, even after Experian, Equifax, and TransUnion previously confirmed that it was deleted. I submitted a valid FTC Identity Theft Report, and all three bureaus acknowledged that the account was removed. However, it has since been reinserted without notice or proper investigation, which violates the Fair Credit Reporting Act ( FCRA ). Earlier this month, these companies responded to my previous CFPB complaint saying the XXXX account had been deleted but that was false. It is still being reported and is actively harming my credit. To make matters worse, during my most recent call with Experian, they mistakenly marked my legitimate XXXX XXXX credit card as fraudulent, and deleted it from my credit report. As a result, XXXX XXXX closed my account, which was in good standing. I never disputed that account this was an error made by Experian, not me. Now, a valid, positive account is gone from my credit file, causing further damage to my credit history and score. This situation has caused emotional distress, financial disruption, and ongoing harm to my creditworthiness. I take pride in maintaining excellent credit, and I have done everything right on my part including filing an FTC Identity Theft Report, submitting multiple disputes, and contacting the credit bureaus directly.
Frequently Asked Questions
What is Complaint #13520929 about?
Complaint #13520929 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 2025-05-14T12:00:00-05:00.
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.