Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17001865
Complaint Overview
Complaint ID: 17001865
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: Minnesota
ZIP Code: 55411
Date Received: 2025-11-03T12:00:00-05:00
Date Sent to Company: 2025-11-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Re : Formal dispute under FCRA 1681i, 1681e ( b ), notice of identity-theft related to TransUnion data breach Demand for deletion and DO NOT REINSERT ; send e-OSCAR XXXX response. To Whom It May Concern : I am writing to dispute the accuracy and furnish notice of identity theft for multiple items on my TransUnion consumer file ( Report Date : XX/XX/XXXX ). I am a victim of the TransUnion data breach and I have an extended fraud alert on my file. Please treat this letter as a formal dispute and identity-theft notice under the Fair Credit Reporting Act ( FCRA ), and as my demand that you delete the disputed items and prevent any reinsertion unless the furnisher provides the statutorily required certification of accuracy. The following items are inaccurate, fraudulent, or otherwise incorrectly reported on my TransUnion file ( last 4 digits shown as reported ) : XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-off ; Balance : {$29000.00} Last reported XX/XX/XXXX. Credit Report - XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-off ; Past Due : {$580.00} Last reported XX/XX/XXXX. Credit Report - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Collection acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Last reported XX/XX/XXXX. Credit Report - XXXX XXXX Legal authority and demands : Under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of disputed items. If disputed information is deleted, it may not be reinserted unless the furnisher certifies it is accurate. I demand deletion and a written confirmation of deletion. Legal Information Institute The FCRA imposes an obligation on CRAs to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and to conduct reasonable investigations under 1681i ( a ). If you fail to perform a reasonable investigation, I will consider all available remedies, including statutory claims under 15 U.S.C. 1681n & 1681o. XXXX XXXX XXXX I am providing notice that I am an identity-theft victim you have actual knowledge of identity-theft conditions on my file ( fraud alert present ). Given the TransUnion breach and my identity-theft alert, you must be especially vigilant in verifying any furnisher claim. I demand you treat these items as potentially fraudulent, investigate with urgency, and remove them immediately unless the furnisher supplies competent documentary proof of accuracy. Specific administrative/e-OSCAR instructions : Enter these disputes into e-OSCAR and send XXXX ( s ) to the furnishers. If the furnisher can not substantiate the items, the furnisher must send an XXXX to delete or update the tradeline. I require the CRA to return one of the following e-OSCAR outcomes for each disputed tradeline ( as applicable ) : a verified deletion ( furnisher-sent XXXX confirming deletion ) or a written explanation of precisely what was verified and what documentation was used. ( Refer to e-OSCARXXXX processing standards. ) E Oscar +1 Timeframe and remedy demanded : I demand these items be deleted from my TransUnion file and confirmation provided to me in writing within FOUR ( 4 ) BUSINESS DAYS of your receipt of this letter. If you elect to reinsert any information later, you must notify me in writing within five business days of any reinsertion and provide the furnisher 's certification proving the information is complete and accurate ( 15 U.S.C. 1681i ). Legal Information Institute Evidence attached : Copy of XXXX credit report pages showing the disputed entries. Credit Report - XXXX XXXX Credit Report - XXXX XXXXXXXX Requested responses : Written confirmation of deletion ( with date deleted ). Copy of any e-OSCAR XXXX sent and the e-OSCAR response codes received from furnishers ( or XXXX ). If any furnisher refuses to delete, provide the documentation the furnisher relied upon to verify the accuracy and the exact e-OSCAR response code returned. If you fail to comply with the FCRA and my demands, or if you reinsert these items without the furnishers required certification, I will pursue all legal remedies available including filing complaints with the CFPB, the Minnesota Attorney General, and pursuing civil action under 15 U.S.C. 1681n and 1681o. Sincerely, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Re : Formal dispute under FCRA 1681i, 1681e ( b ) Identity-theft notice & DO NOT REINSERT e-OSCAR/XXXX request To Whom It May Concern : Disputed items on my Experian file ( as reported on XX/XX/XXXX ) : XXXX XXXX Auto Loan acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection/Charge-off reported XX/XX/XXXX. Credit Report - XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection/Charge-off reported XX/XX/XXXX. Credit Report XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Collection acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00}. Credit Report - XXXX XXXX I am an identity-theft victim ( fraud alert on my file ). Under FCRA 1681i you must conduct a reasonable reinvestigation and delete any information you can not verify. If you delete information you may not reinsert it unless the furnisher provides certification of accuracy ; you must notify me of any reinsertion within five business days. I request immediate deletion and require that you forward XXXX ( XXXX ) via e-OSCAR to the furnishers and request XXXX if deletion is appropriate. Legal Information Institute +1 Demand : Delete the disputed tradelines and confirm deletion in writing within FOUR ( 4 ) BUSINESS DAYS. Provide copies of any e-OSCAR responses and the supporting documentation used by furnishers to verify any tradeline you refuse to delete. Failure to comply will result in complaints to CFPB and pursuit of statutory remedies under 15 U.S.C. 1681n/1681o. Federal Register Sincerely, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/XXXX Re : Formal dispute under FCRA 1681i, 1681e ( b ) Identity-theft notice & DO NOT REINSERT e-OSCAR/XXXX request To Whom It May Concern : Disputed items on my Equifax file ( as reported on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection/Charge-off reported XX/XX/XXXX. Credit Report - XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection/Charge-off reported XX/XX/XXXX. Credit Report - XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Collection acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00}. Credit Report - XXXX XXXX XXXX FCRA 1681i and 1681e ( b ) you must investigate and remove information you can not verify. If you delete information, it can not be reinserted without furnisher certification, and you must notify me of any reinsertion. I demand deletion and require e-OSCAR/XXXX action documentation. Legal Information Institute +1 Delete these items and confirm deletion in writing within FOUR ( 4 ) BUSINESS DAYS. If you refuse, provide the exact documentation the furnisher used to verify the item and the e-OSCAR response codes. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #17001865 about?
Complaint #17001865 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 2025-11-03T12:00:00-05:00.
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.