Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5245765
Complaint Overview
Complaint ID: 5245765
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: New Jersey
ZIP Code: 07083
Date Received: 2022-02-21T12:00:00-05:00
Date Sent to Company: 2022-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I the Consumer, natural person, am aware that congress makes it clear that there is an abundance of evidence that abusive, deceptive and unfair practices pursuant to 15 USC 1692 ( a ) ( b ), 15 USC 1692e ( 2 ) ( a ) are being displayed such as False representation of character. And it has come to my attention that your response is based on an automated system which is in fact a violation of Consumer rights. In addition, who gave you the authority to furnish false and misleading information on my consumer report? I did not give you written instructions nor was this reasonable. You failed to comply to 15 USC 1635 ( a ) which states you must provide the appropriate forms that I have requested and you havent provided them, so thats clearly another violation. I REQUESTED THAT YOU SEND ME EVERY DOCUMENT PERTAINING TO THIS ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. You have also violated the FDCPA because you did not validate the debt after receiving my validation letter 5 days after you responded to my demand. According to the FDCPA this a {$1000.00} violation along with the others mentioned above.
Frequently Asked Questions
What is Complaint #5245765 about?
Complaint #5245765 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 2022-02-21T12:00:00-05:00.
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.