Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4708281
Complaint Overview
Complaint ID: 4708281
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Illinois
ZIP Code: 60411
Date Received: 2021-09-09T12:00:00-05:00
Date Sent to Company: 2021-09-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
<b>I AM WHO I SAY I AM. I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 USC 5511 ( c ) ( 2 ) <b> I mailed my notarized certified letter to Equifax ( a Reseller With File ) including my Driver 's License, utility bill, copy of Social Security Card and my FTC report detailing the fraudulent accounts. Equifax ( a Reseller With File ) received my notarized certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and Equifax ( a Reseller With File ) has yet to block the fraudulent accounts within 4 business days pursuant to 15 United States Code 1681c-2 Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. EQUIFAX IS A " RESELLER WITH FILE ''. ITS SOLE OBLIGATION IS TO BLOCK FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT RESULTED FROM IDENTITY THEFT. PURSUANT TO 15 USC 1681c-2 ( d ) ( 2 ). ( 2 ) RESELLER WITH FILE The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 15 USC 1681a ( u ) - The term reseller means a consumer reporting agency that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Public Law and Statutes ( Pub. L. 90321, title VI, 605B, as added Pub. L. 108159, title I, 152 ( a ), Dec. 4, 2003, 117 Stat. 1964 ; amended Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( C ), July 21, 2010, 124 Stat. 2087. )
Frequently Asked Questions
What is Complaint #4708281 about?
Complaint #4708281 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-09-09T12:00:00-05:00.
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, credit repair services, 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.