Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13827817
Complaint Overview
Complaint ID: 13827817
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: South Carolina
ZIP Code: 296XX
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint regarding an account reported by XXXX XXXX XXXX that is inaccurate, unverifiable, and in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) of XXXX and Metro 2 data reporting standards. I do not recognize this debt. I have never been contacted by XXXX XXXX XXXX, have never received validation, and firmly believe this debt is not mine. This furnisher is violating my rights under 15 USC 1681b, as they have no permissible purpose to report information that is unfamiliar, unverifiable, and inconsistent. Account XXXX : XXXX XXXX : XXXX XXXX XXXX. Account Number : XXXX Balance Reported : {$2500.00} Reported To : Experian and Equifax Date Opened : XX/XX/XXXX Not Reported To : TransUnion Summary of Violations : XXXX. No Permissible Purpose 15 USC 1681b This account is unfamiliar and unvalidated. No contract exists between me and this company. Reporting an unfamiliar account without my authorization is a clear violation of FCRA. XXXX. Failure to Investigate and Maintain Accuracy 15 USC 1681i & 1681 The account balance is {$2500.00}, but the high balance and past due are both listed as {$0.00}, which is illogical and violates data accuracy standards. No furnisher contact information is listed on either bureaus report, which prevents me from directly resolving or verifying the debt. This violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion or correction when inaccurate data can not be verified. XXXX. No Metro 2 Compliance The account appears only on Experian and Equifax, with inconsistent fields and formatting. This directly contradicts Metro 2 standards requiring uniform and consistent data across credit bureaus. Remarks field is blank, no disputed, in collections, or resolved status is shown. No last reported date appears on Equifax. No furnisher name/address/contact included violating Metro 2 and FCRA requirements for traceable, verifiable data. 4. Violation of 15 USC 1681i ( a ) ( 5 ) ( A ) This law states that if an item is found to be inaccurate, incomplete, or can not be verified, the CRA must promptly delete it from the file. This account meets all three disqualifying conditions. I trust the CFPB will take appropriate regulatory action to uphold the protections of the Fair Credit Reporting Act of 1970 and hold all data furnishers accountable for damaging the financial profiles of U.S. citizens through illegal reporting practices.
Frequently Asked Questions
What is Complaint #13827817 about?
Complaint #13827817 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 2025-05-31T12:00:00-05:00.
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.