Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17815438
Complaint Overview
Complaint ID: 17815438
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: South Carolina
ZIP Code: 29418
Date Received: 2025-12-07T12:00:00-05:00
Date Sent to Company: 2025-12-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this follow-up to my formal complaint regarding multiple discrepancies I discovered on my credit reports from Experian, Equifax, and TransUnion, which are continuing to negatively impact my credit score and financial opportunities. These inaccuracies remain unresolved, and I am seeking prompt action to have them corrected. usly stated, the credit reporting agencies are listing incorrect and unauthorized information, including inaccurate addresses that violate the Fair Credit Reporting Act ( FCRA ). Specifically, Experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX as my address, which I have never resided at. Similarly, Equifax is listing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX as my address, and TransUnion is incorrectly listing XXXX XXXX, XXXX XXXX, SC XXXX under my name. These discrepancies violate FCRA 605 ( a ) ( 15 U.S.C. 1681c ), which requires that only accurate and current information be reported. I request that these incorrect addresses be promptly removed from my credit reports. Additionally, I have disputed multiple collection accounts that are incorrectly reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) across all three bureaus. The accounts listed are XXXX, XXXX, XXXX, and XXXX, and they contain missing balances or improper reporting. These discrepancies violate FCRA 623 ( a ) ( 5 ), which mandates accurate reporting of the Date of First Delinquency ( DOFD ) and full disclosure of account details. I request that these collection accounts be verified for accuracy or removed entirely from my reports. Furthermore, I have noticed an unauthorized credit inquiry from XXXX XXXX dated XX/XX/year> on my TransUnion report, which was made without my consent. This unauthorized inquiry violates FCRA 604 ( a ) ( 3 ), which restricts credit inquiries to those with permissible purposes. I request that this inquiry be removed from my credit report immediately.
Frequently Asked Questions
What is Complaint #17815438 about?
Complaint #17815438 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 2025-12-07T12:00:00-05:00.
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.