Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13649265
Complaint Overview
Complaint ID: 13649265
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate
State: California
ZIP Code: 95219
Date Received: 2025-05-21T12:00:00-05:00
Date Sent to Company: 2025-05-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
am submitting this complaint because Equifax is reporting a XXXX XXXX Bankruptcy under docket number XXXX, and I believe this entry is being reported inaccurately, with outdated or unverifiable data that may no longer be legally reportable. Not only is it unclear whether the record still falls within the allowable 10-year reporting period under 15 U.S.C. 1681c ( a ) ( 1 ), but I also have doubts that Equifax has reverified this item through any official public record or direct court documentation. If the date of discharge or adjudication exceeds the 10-year limit, or if Equifax can not provide verifiable source documentation, the record must be removed. Furthermore, recent findings by the Consumer Financial Protection Bureau have raised significant concerns about Equifax 's systemic failure to conduct proper reinvestigations. In fact, the CFPB alleges that Equifax violated its obligations by engaging in sham investigations, effectively rubber-stamping disputes without obtaining proper verification from furnishers or public records. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to perform a reasonable and thorough reinvestigation of disputed items. If the agency can not independently verify this bankruptcy through certified public records, especially considering the record is now more than five years past its verification date ( XXXX ), it must be considered unverified and promptly deleted. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be removed from the consumer file.
Frequently Asked Questions
What is Complaint #13649265 about?
Complaint #13649265 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 2025-05-21T12:00:00-05:00.
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.