Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5116217
Complaint Overview
Complaint ID: 5116217
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: Account information incorrect
State: New Jersey
ZIP Code: 07206
Date Received: 2022-01-17T12:00:00-05:00
Date Sent to Company: 2022-01-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Equifax refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to Equifax on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, equifax, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Equifax has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how equifax is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can equifax explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and equifax is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to equifax but have yet to receive a response. Please find attached : 1. Letter sent to equifax 2. proof of identification XXXX. US Dept of Justice complaint XXXX. Federal Trade Commission Identity theft complaint XXXX copy of XXXX bureau credit report displaying inaccurate reporting of information by all XXXX major credit bureaus
Frequently Asked Questions
What is Complaint #5116217 about?
Complaint #5116217 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 2022-01-17T12:00:00-05:00.
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.