Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4824572
Complaint Overview
Complaint ID: 4824572
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: Georgia
ZIP Code: 30312
Date Received: 2021-10-19T12:00:00-05:00
Date Sent to Company: 2021-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Attn : Legal Disputes Department This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. This is of grave importance that this matter is address, because it is putting serious financial stress on my life and my ability to sustain myself and family. I demand that the following account be verified or removed immediately : 1. The following account is not mineXXXXAccount Number : XXXXPlease delete it from my credit report. 2. The following account is not mineXXXX XXXX XXXXAccount Number:XXXX******Please delete it from my credit report. 3. The following account is not mineXXXX XXXXAccount Number : XXXXPlease delete it from my credit report. 4.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report. 5. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report. 6.The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : ******* Please delete it from my credit report. 7. The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : ****** Please delete it from my credit report. 8. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : **** Please delete it from my credit report. 9. This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 10.This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 11. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report.
Frequently Asked Questions
What is Complaint #4824572 about?
Complaint #4824572 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 2021-10-19T12:00:00-05:00.
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.