Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16813892
Complaint Overview
Complaint ID: 16813892
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: Massachusetts
ZIP Code: 023XX
Date Received: 2025-10-24T12:00:00-05:00
Date Sent to Company: 2025-10-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this expedited follow-up complaint regarding continued violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion. Despite prior disputes, the bureaus have failed to correct or verify multiple inaccurate, outdated, and unauthorized entries, violating FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 604 ( a ) ( 3 ) .Experian continues to report inaccurate information, including the obsolete address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MA XXXX, and unverifiable late close accounts such as Bank of XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Multiple unauthorized inquiries remainXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and otherswithout proof of permissible purpose. The {$290.00} Collection XXXX account and several charge-offs ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) remain unverifiable. The XXXX XXXX ( {$9200.00} ) shows as Profit and Loss Write-Off despite no IRS Form 1099-C, making it misleading and incomplete.Equifax and TransUnion mirror these violations, reporting outdated addresses, the same unverifiable accounts, and unauthorized inquiries. Both also reinserted previously deleted data without consumer notice, violating FCRA 611 ( a ) ( 5 ) ( B ) .These recurring errors cause ongoing harm to my creditworthiness and demonstrate systemic noncompliance.
Frequently Asked Questions
What is Complaint #16813892 about?
Complaint #16813892 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 2025-10-24T12:00:00-05:00.
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.