Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14626119
Complaint Overview
Complaint ID: 14626119
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: Tennessee
ZIP Code: 37066
Date Received: 2025-07-13T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint due to inaccurate and potentially unlawful negative information being reported on my credit file by several furnishers and collection agencies, including but not limited to XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts reflect late payments, derogatory reporting, and collections that I do not recognize, dispute, or that were not validated according to law. Specifically, XXXX XXXX XXXX has listed a collection on behalf of XXXX XXXX without providing any proper validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received a signed agreement or documentation verifying the debts accuracy, ownership, or amount. Furthermore, the late payments and derogatory marks reported by XXXX XXXX XXXX are inconsistent with my records, were resolved years ago, and are no longer relevant or timely under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which limits the reporting of negative information to 7 years. The failure to report accurate and verifiable information violates : FCRA 1681s-2 ( a ) Duty of furnishers to provide accurate information FCRA 1681i ( a ) Failure of credit bureaus to conduct a proper reinvestigation FDCPA 809 ( b ) Validation of debts required upon dispute FTC XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Agencies must investigate when provided notice of dispute XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Bureaus must do more than a superficial investigation I am requesting a full investigation and the immediate removal of these inaccurate and unverified accounts from all consumer credit reports. The presence of this information is harming my creditworthiness, and the failure to correct or remove it may constitute willful noncompliance under FCRA 1681n and 1681o, making the entities involved liable for actual and statutory damages. I reserve the right to pursue legal action if this issue is not promptly resolved and request the FTCs assistance in ensuring these violations are addressed and my consumer rights protected.
Frequently Asked Questions
What is Complaint #14626119 about?
Complaint #14626119 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 2025-07-13T12:00:00-05:00.
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.