Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15221656
Complaint Overview
Complaint ID: 15221656
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: Nebraska
ZIP Code: 681XX
Date Received: 2025-08-11T12:00:00-05:00
Date Sent to Company: 2025-08-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On [ XXXX XXXX ], I submitted formal written disputes to Experian, Equifax, and TransUnion regarding inaccurate and unverifiable information on my credit reports, including : XXXX XXXX XXXX, XXXX, and multiple unauthorized hard inquiries. I provided account names, numbers, and the nature of each inaccuracy in full compliance with the FCRA. The bureaus received my disputes and are required under 15 U.S.C. 1681i to conduct a proper reinvestigation within 30 days. Instead, I received form letters ( example : Equifax letter dated XX/XX/year> ) asking for information I had already provided. This appears to be a delay tactic intended to reset the statutory XXXX clock, rather than conducting a good-faith reinvestigation. These agencies have continued reporting the disputed items without providing verification from the furnishers. This is a violation of FCRA 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to assure maximum possible accuracy ), and is also noncompliant with Metro 2 reporting standards. This matter is the subject of active federal litigation in the U.S. District Court for the District of Nebraska, Case No. [ insert case number ], where all three agencies are named defendants. I am providing this complaint and supporting documents to create a CFPB record of their ongoing noncompliance and to demand immediate corrective action, including full deletion of the disputed accounts and inquiries. Attachments : Original dispute letters ( with proof of delivery ) Equifax stall letter dated XX/XX/year> Formal Request for Information ( RFI ) sent to all three agencies
Frequently Asked Questions
What is Complaint #15221656 about?
Complaint #15221656 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 2025-08-11T12:00:00-05:00.
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.