Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5250776
Complaint Overview
Complaint ID: 5250776
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: Rhode Island
ZIP Code: 02904
Date Received: 2022-02-22T12:00:00-05:00
Date Sent to Company: 2022-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I HAVE NEW & UPDATED INFORMATION ON XXXX AND EQUIFAX. I XXXX XXXX the consumer, have evidence that XXXX AND EQUIFAX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to EQUIFAX in response to ( complaint # XXXX ) & also sent correspondence to XXXX in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both XXXX AND EQUIFAX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. XXXX and EQUIFAX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, XXXX AND EQUIFAX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, XXXX AND EQUIFAX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement XXXX & EQUIFAX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. EQUIFAX and XXXX are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.
Frequently Asked Questions
What is Complaint #5250776 about?
Complaint #5250776 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 2022-02-22T12:00:00-05:00.
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.