Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16110994
Complaint Overview
Complaint ID: 16110994
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: 38024
Date Received: 2025-09-22T12:00:00-05:00
Date Sent to Company: 2025-09-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint to follow up on my prior dispute regarding several inaccurate and unauthorized accounts, along with an inquiry that continues to appear on my credit report. Despite my earlier request, these items remain, and I must insist on their immediate removal. Each of these accounts and inquiries is either fraudulent, unverifiable, or inaccurately reported, and their continued presence violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). The first account in question is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *. This account has been reported as a late closed account, but I never authorized or opened such an account. Its reporting is false and unverifiable. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute and demand reinvestigation, and under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy. In addition, because this account is fraudulent, I am asserting my rights under FCRA 605B 15 U.S.C. 1681c-2, which requires its complete removal. The second account is XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} * *. This account is being reported as a charge-off, yet no valid proof of a cancellation-of-debt form ( 1099-C ) has ever been provided. Reporting a charge-off without furnishing such documentation is misleading and inaccurate. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I demand its removal due to unverifiability. Another account that remains in error is XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *. Although it reports a charge-off, it reflects a XXXX balance. An account can not simultaneously be charged off and reflect no balance. This is contradictory, inaccurate, and violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, as this account was not authorized by me, its continued presence also violates FCRA 605B 15 U.S.C. 1681c-2. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} * * is still listed as a charge-off. I never had any relationship with this creditor, nor have I ever authorized such an account. It is fraudulent, unverifiable, and inaccurately reported. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FCRA 605B 15 U.S.C. 1681c-2, I am again requesting its removal. The collection account with XXXX XXXX * Balance Owed : {$370.00} * * is also completely inaccurate. I have no record of owing any debt to this collector or its original creditor. This account is unverifiable and must be deleted under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FCRA 605B 15 U.S.C. 1681c-2. Finally, there is an unauthorized inquiries listed as XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I never applied for or authorized this inquiry. Its continued appearance violates FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which prohibits accessing a consumer report without a permissible purpose, and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which requires certification of such purpose. This inquiries is unlawful and must be removed.
Frequently Asked Questions
What is Complaint #16110994 about?
Complaint #16110994 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 2025-09-22T12:00:00-05:00.
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.