Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5157951
Complaint Overview
Complaint ID: 5157951
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information is incorrect
State: Pennsylvania
ZIP Code: 191XX
Date Received: 2022-01-27T12:00:00-05:00
Date Sent to Company: 2022-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX Equifax furnished a consumer report with XXXX XXXX XXXX Account # XXXX without my written instructions that is needed in accordance with the FCRA On XX/XX/XXXX I disputed the matter via mail and filing a CFPB complaint. I sent the mail certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX Equifax sent me a notice of their investigation and an update of the account being DELETED. Deletion after my dispute is admission to their in accuracy of their mismanaging procedures which has affected my credit score and harmed me the consumer. Equifax Is Now civilly liable {$20000.00} Pursuant to 15 USC 1681n for actual damages sustained by me the consumer such as mental anguish and emotional distress for them reporting inaccurate information on my consumer report and all of the stress I went through to have the wait for the account to be deleted and for failing to comply with and being in accordance with all applicable law such as the FCRA. Equifax is also civilly liable {$3000.00} pursuant to 15 USC 1681 for violating and furnishing on my consumer report which should be excluded in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) ; and 15 USC 1681a ( 2 ) ( B ) which states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' ; " and report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' should be excluded from a consumer report which Equifax included in a consumer report with XXXX XXXX XXXX XXXX XXXX. Not to Mention the {$1000.00} that Equifax is civilly liable for, for not being in accordance with 15 USC 1681b ( a ) ( 2 ) which states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) States that a consumer report can only be furnished " In accordance with the written instructions of the consumer to whom it relates. '' I never gave Equifax any written instructions to furnish anything on My report and this is the basis and cause of my dispute.
Frequently Asked Questions
What is Complaint #5157951 about?
Complaint #5157951 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 2022-01-27T12:00:00-05:00.
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.