Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14653757
Complaint Overview
Complaint ID: 14653757
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: New York
ZIP Code: 14226
Date Received: 2025-07-14T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am the victim of identity theft. My Equifax credit report contains 20 fraudulent accounts and 3 unauthorized inquiries, all of which I did not open or authorize. These accounts are tied to addresses I have never even lived at. Several of them are also incorrectly listed as open and being factored into my credit utilization, despite being charged off by the original creditors for more than a year now ( as confirmed by the creditors ). On XX/XX/year>, I mailed a certified identity theft dispute package to Equifax. The package includes : Four FTC Identity Theft Reports A detailed dispute letter invoking FCRA 605B Government-issued ID, SSN card, and proof of address A summary of the 20 fraudulent accounts and 3 inquiries I am submitting the full documentation here through the CFPB portal as of today, making Equifax legally in possession of the identity theft report and all required supporting documentation under FCRA 605B. Under the law, Equifax must block the disputed identity theft information within 4 business days of receiving proper documentation, which includes this electronic submission. They are not entitled to delay action pending arrival of physical mail since all required documentation is already provided here. Any attempt to delay by claiming that they are waiting for the mailed version would violate their obligations under FCRA 605B. This complaint should serve as formal notice of my identity theft dispute and trigger their statutory duties to investigate and act.
Frequently Asked Questions
What is Complaint #14653757 about?
Complaint #14653757 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 2025-07-14T12:00:00-05:00.
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.