Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14206627
Complaint Overview
Complaint ID: 14206627
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: XXXXX
Date Received: 2025-06-20T12:00:00-05:00
Date Sent to Company: 2025-06-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am profoundly disappointed and angered by your reckless violation of my consumer rights through the dissemination of inaccurate, unverifiable, and unauthorized information on my credit report. You are legally obligated to report only factual, fully verified, and Metro 2-compliant data under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The credit report I received contains multiple errors and unverifiable claims that raise serious doubts about your adherence to federal law and your responsibilities under FCRA 1681e ( b ), which requires maximum possible accuracy. The continued reporting of these accounts without complete and independent verification constitutes willful noncompliance, as defined under FCRA 1681n. I demand that you provide tangible, verifiable, and original evidence proving the lawful reporting and permissible purpose of each disputed account, including my full written consent bearing my physical or electronic signature. If you can not produce such evidence, you are required by law to immediately DELETE the disputed information from my credit report. Personal Information Being Challenged : Incorrect Name : XXXX, XXXX XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Employer : XXXX XXXXXXXX XXXX Employer : XXXX Employer : XXXX XXXX XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Accounts Being Challenged : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Being Challenged : XXXX XXXX - XXXX I demand full compliance with FCRA 1681b ( a ) regarding permissible purpose for all inquiries. The listed inquiry lacks my documented, signed authorization and must be permanently DELETED if you can not produce my consent. You are further instructed to mail physical copies of all documentation, including any and all evidence of my authorization, verification results, and an updated copy of my credit report reflecting accurate and fully compliant data. Failure to comply within 5 business days will result in my immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal counsel to pursue full damages for willful noncompliance. This is your final opportunity to correct your violations and ensure strict adherence to FCRA, FDCPA, and Metro 2 standards.
Frequently Asked Questions
What is Complaint #14206627 about?
Complaint #14206627 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-20T12:00:00-05:00.
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.