Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16676620
Complaint Overview
Complaint ID: 16676620
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: Nevada
ZIP Code: 89106
Date Received: 2025-10-18T12:00:00-05:00
Date Sent to Company: 2025-10-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because the account from XXXX XXXX XXXX has been reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ). Upon my first initial dispute, this account was not reporting on my Equifax credit report only on Experian and TransUnion. However, after I disputed the account for inaccuracy and unverifiable information, it has now appeared on my Equifax report, which was not the case originally. This change indicates unlawful reinsertion and improper reporting, as the account was not verified as belonging to me, and no notice of reinvestigation or new verification was provided as required under FCRA 1681i ( a ) ( 5 ) ( B ). Experian has since deleted this same XXXX XXXX XXXX collection as of XX/XX/year>, confirming that the item was unverifiable or inaccurate. Therefore, the account must be considered invalid and should be removed from all consumer reports for consistency and compliance. Additionally, the inconsistent reporting across bureaus and the new appearance on Equifax after my initial dispute violates my right to accurate and fair reporting under the FCRA. I have attached proof of XXXX deletion, TransUnions pending dispute, and my Equifax report showing this newly added collection that did not exist prior. Attached documentation confirms that this XXXX XXXX XXXX account did not exist on my Equifax report prior to my dispute and only appeared afterward, constituting a violation of FCRA 1681i ( a ) ( 5 ) ( B ). This unlawful reinsertion occurred without proper certification of accuracy or notice to me within XXXX business days as required by law.
Frequently Asked Questions
What is Complaint #16676620 about?
Complaint #16676620 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 2025-10-18T12:00:00-05:00.
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.