Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14586057
Complaint Overview
Complaint ID: 14586057
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: Connecticut
ZIP Code: 06040
Date Received: 2025-07-10T12:00:00-05:00
Date Sent to Company: 2025-07-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Despite submitting an official FTC Identity Theft Report, supporting documentation, and written disputes under 15 U.S.C. 1681c-2, Equifax reinserted the fraudulent XXXX XXXX XXXX tradeline without notifying me in writing as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This account was previously removed due to confirmed identity theft, yet Equifax violated the FCRA by allowing its reinsertion without the legally mandated notice and without new certification of accuracy from the furnisher. This account was not opened by me, and XXXX XXXX has failed to provide a signed application or any proof linking me to the digital account creation. The burden of proof lies with the furnisher and CRA, not the identity theft victim. TransUnion and Experian complied. Equifax did not. Their actions have caused ongoing credit harm, stress, and financial obstructionall after I followed the exact legal steps required under federal law. Their noncompliance with the FCRA is not only negligent but now verging on willful, subjecting them to civil liability under 15 U.S.C. 1681n and 1681o.
Frequently Asked Questions
What is Complaint #14586057 about?
Complaint #14586057 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 2025-07-10T12:00:00-05:00.
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.