Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16214550
Complaint Overview
Complaint ID: 16214550
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: Texas
ZIP Code: 770XX
Date Received: 2025-09-26T12:00:00-05:00
Date Sent to Company: 2025-09-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDear Credit Representative,\nI am disputing the account stated above previously, I disputed this account information\nas being inaccurate, and you responded by stating you were able to verify these items.\nBut how is that possible? Under the laws of the FDCPA, I have contacted the creditor\nmyself, and they have failed to properly verify (*pursuant to FDCPA\nstandard/guidelines) that this is indeed accurate.\n\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX enclose copies of my requests to the CFPB and the Creditor asking the creditor to\nvalidate these items. I was given no validation/verification in accordance with the outline of the FDCPA of my obligation and/or responsibility of these disputed items.\n\nThe Fair Credit Reporting Act requires you to verify the validity of this within 30 days. If\nthe validity cannot be verified, you are obligated by law to remove it from my credit file. \n\nI urge you to remove these items before I am forced to take Legal Action.\nIn the event you cannot verify these items pursuant to FCRA and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area.\n\nSincerely,\nMichel Johnson'
Frequently Asked Questions
What is Complaint #16214550 about?
Complaint #16214550 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 2025-09-26T12:00:00-05:00.
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.