Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15051637
Complaint Overview
Complaint ID: 15051637
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 30039
Date Received: 2025-08-03T12:00:00-05:00
Date Sent to Company: 2025-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I sent a legally structured dispute package by certified mail with electronic return receipt to all three credit bureaus ( Experian, Equifax, and TransUnion ). My package included a full breakdown of multiple accounts and inquiries that were inaccurate, unverifiable, or unauthorized. I included supporting documents like ID, proof of address, highlighted credit reports, and legal citations under the Fair Credit Reporting Act ( FCRA ). I specifically disputed : Unauthorized hard inquiries I did not approve or initiate Multiple accounts with wrong balances, dates, payment history errors, or no documentation of ownership These were sent via XXXX Certified Mail with tracking numbers : Experian : XXXX TransUnion : XXXX Equifax : ( same documents sent, tracking available ) As of today, XX/XX/year>, I have not received a proper investigation response or any corrections. More than 30 days have passed with no action, which violates : FCRA 611 ( a ) : No reasonable investigation or results within 30 days FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 ( b ) : Continued reporting of unverifiable data FCRA 604 ( a ) : Inquiries reported with no permissible purpose These violations are causing ongoing credit harm. I am requesting immediate deletion of every disputed item and formal documentation showing the correction.
Frequently Asked Questions
What is Complaint #15051637 about?
Complaint #15051637 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 2025-08-03T12:00:00-05:00.
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.