Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828507

Consumer Demands Identity Theft Removal from Credit Report

Complaint Overview

Complaint ID: 13828507

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: Illinois

ZIP Code: 60637

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

Risk Assessment

Risk Level: high

The consumer is alleging identity theft and fraud, which requires prompt investigation and potential removal of inaccurate information under the FCRA, posing a significant compliance risk.

Consumer Sentiment: negative

Topics: Credit reporting, Identity theft, FCRA

AI Analysis

CFPB complaint 13828507 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer is requesting the removal of identity theft and fraud-related information from their credit report within four business days, citing FCRA 605B. The complaint was received on May 31, 2025 from Illinois. The company responded with "Closed with explanation".

Consumer Narrative

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 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 XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What You Should Do -- Consumer Action Plan

Consumers who believe their identity has been stolen and is appearing on their credit report should immediately dispute the fraudulent information with each credit bureau and provide supporting documentation.

Legal Context & Consumer Protection Laws

Regulatory Insight

Credit reporting agencies must investigate disputes of identity theft and fraud promptly and remove inaccurate information resulting from such activities.

Resolution Likelihood

likely

State-Specific Consumer Protections

Illinois consumers are protected by federal credit reporting laws, which are enforced by agencies like the CFPB.

Industry Comparison

Credit reporting agencies like Equifax, Experian, and TransUnion face similar challenges in detecting and rectifying identity theft and fraudulent accounts.

Related Issues

Dispute resolution

Frequently Asked Questions

What is CFPB complaint 13828507 about?

CFPB complaint 13828507 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against EQUIFAX, INC. on May 31, 2025.

Which company is complaint 13828507 filed against?

Complaint 13828507 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.

What was the company's response to complaint 13828507?

EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.

When was complaint 13828507 filed?

Complaint 13828507 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.

What state was complaint 13828507 filed from?

Complaint 13828507 was filed from Illinois. You can view all complaints from this state at /state/IL.

Was the consumer satisfied with the resolution of complaint 13828507?

Dispute information is not available for complaint 13828507.

What product category is complaint 13828507 about?

Complaint 13828507 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

How was complaint 13828507 submitted?

Complaint 13828507 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

What are the consumer's legal options for complaint 13828507?

The Fair Credit Reporting Act (FCRA) provides consumers with rights regarding the accuracy of information in their credit reports, including the right to dispute and have fraudulent information removed. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Incorrect information on your report".

How likely is complaint 13828507 to be resolved?

Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

What does the risk level mean for complaint 13828507?

This complaint is rated as high risk. The consumer is alleging identity theft and fraud, which requires prompt investigation and potential removal of inaccurate information under the FCRA, posing a significant compliance risk.

What regulatory actions apply to complaint 13828507?

Credit reporting agencies must investigate disputes of identity theft and fraud promptly and remove inaccurate information resulting from such activities. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

What should the consumer do about complaint 13828507?

Are there state-specific protections for complaint 13828507?

Illinois consumers are protected by federal credit reporting laws, which are enforced by agencies like the CFPB. This complaint was filed from Illinois.

How does complaint 13828507 compare to industry norms?