Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14184086
Complaint Overview
Complaint ID: 14184086
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Illinois
ZIP Code: 60462
Date Received: 2025-06-19T12:00:00-05:00
Date Sent to Company: 2025-06-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint ( against Equifax and the Guarantors ) I am submitting this formal complaint against Equifax and the guarantor company ( hereafter referred to as the guarantor ) that recently denied my housing application, citing a consumer credit report obtained from Equifax. However, in a prior CFPB complaint filed against Equifax earlier this year, Equifax explicitly stated that it was not reporting any credit history under my name, allegedly due to an inability to locate any credit activity or records in the past XXXX years. This response contradicts the guarantors stated basis for denial, which relied on an Equifax consumer credit report. I believe this situation reflects noncompliance with multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : Violations Alleged : 1. Inaccurate or Misleading Credit Reporting ( FCRA 1681e ( b ) ) Equifax either : Failed to maintain reasonable procedures to assure maximum possible accuracy, or Provided an incorrect or outdated report to the guarantor without notifying me, despite acknowledging it lacks any data on me. 2. Failure to Disclose All Information Upon Request ( FCRA 1681g ) Equifax did not provide me with a complete and accurate copy of the report it furnished to the guarantor, nor did it notify me that such a report was shared with a third party for housing purposes. XXXX. Improper Use or Reliance by Guarantor ( FCRA 1681b ( a ) ( 2 ), ( 3 ) ) The guarantor relied on a non-existent or incomplete credit report from Equifax to deny me housing, without giving me a clear and complete adverse action notice, as required under FCRA 1681m ( a ). Request for XXXX and XXXX : I request a full investigation into XXXX handling of my credit file, including the circumstances under which it generated or shared a report used to deny my application. I request that Equifax provide me with a complete copy of any and all consumer disclosures and reports furnished to third parties over the past XXXX XXXX I also request the guarantor be compelled to disclose the exact version and contents of the Equifax report they used, and clarify the basis for their adverse decision. This denial has materially harmed my ability to secure housing and I demand corrective action. I reserve my rights to seek further remedies under FCRA, FTC regulations, and applicable state consumer protection laws.
Frequently Asked Questions
What is Complaint #14184086 about?
Complaint #14184086 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 2025-06-19T12:00:00-05:00.
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.