Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16489764
Complaint Overview
Complaint ID: 16489764
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: 76148
Date Received: 2025-10-09T12:00:00-05:00
Date Sent to Company: 2025-10-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint against Equifax Information Services LLC for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate, verify, or delete fraudulent accounts that I identified and documented as the result of identity theft. I submitted a formal dispute through Equifaxs online portal on XX/XX/XXXX, attaching all required supporting documentation, including my FTC Identity Theft Report, government-issued identification, proof of address, and documentation confirming that my personal information had been compromised in the Equifax XXXX data breach. Despite this, Equifax has refused to remove fraudulent tradelines and continues to report them as verified. Under FCRA 1681c-2 ( a ), Equifax was required to block all information identified as resulting from identity theft within four business days of receiving my documentation. Equifaxs failure to do so is a direct violation of this provision. Instead, on XX/XX/XXXX, Equifax issued a results letter stating that the accounts were verified with the furnisher, providing no documentation or proof of any legitimate verification process. This response fails to satisfy the requirements of FCRA 611 ( a ) ( 1 ) ( B ), which mandates the deletion of any information that can not be verified, and 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. The fact that XXXX permanently deleted these same accounts as unverifiable further confirms that Equifaxs reinvestigation was not conducted with reasonable diligence or accuracy. Equifaxs actions also violate 1681e ( b ), which requires consumer reporting agencies to maintain procedures ensuring maximum possible accuracy of reported information. Continuing to display fraudulent and unverifiable accounts directly contradicts this standard. In addition to these statutory violations, Equifaxs data reporting violates Metro 2 compliance standards established by the XXXX XXXX XXXX XXXX ( XXXX ). The accounts in question do not display proper dispute coding : Field 24 ( Compliance Condition Code ) : Fails to reflect the identity theft status ; Field 17 ( Account Status ) : Continues to show active charge-off or collection status despite fraud documentation ; Field 28 ( Payment History Profile ) : Contains inconsistent or incomplete entries. These Metro 2 errors indicate that Equifax either failed to update its internal reporting systems or ignored the identity-theft documentation I submitted, resulting in continued reporting of inaccurate and misleading data. Equifaxs reinvestigation also fails to comply with FCRA 1681i ( a ) ( 7 ), which grants consumers the right to request the method of verification, including the name, address, and telephone number of any furnisher contacted and a description of the procedures used in verifying disputed information. Equifax has not provided this information despite repeated requests. This pattern of behavior demonstrates systemic noncompliance with the FCRA and supports a finding of willful violation under 15 U.S.C. 1681no, as Equifax continues to publish and furnish false information even after being notified of the fraud and provided with documentation proving my identity and the theft of my personal data.
Frequently Asked Questions
What is Complaint #16489764 about?
Complaint #16489764 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 2025-10-09T12:00:00-05:00.
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.