Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5521322
Complaint Overview
Complaint ID: 5521322
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: 30038
Date Received: 2022-04-30T12:00:00-05:00
Date Sent to Company: 2022-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing this notice in reference to the initial dispute I filed about unauthorized items on my consumer credit report being identity theft. As a reminder, all consumer reporting agencies have to comply with the Fair Credit Reporting Act ( FCRA ) in its entirety. You are also required to provide fair, accurate & equitable reporting with respect for the consumers right to privacy. To reiterate, I am a victim of identity theft. I submitted the initial dispute with the following documents : Federal Trade Commission report, identity theft affidavit ( notarized ), proof of identity and a bill of particulars. In accordance with 15 USC 1681c-2, these items were supposed to be removed within four ( 4 ) days of receipt of notice. However, your company did not remove these fraudulent items from my consumer credit report which is causing me to experience adverse action when trying to acquire shelter, transportation and credit. To be clear, this dispute was NOT made in error, this dispute is NOT based on material misrepresentation of facts, and I did not obtain possession of goods or services as a result of any blocked transaction. This is NOT a frivolous claim, as I am the protected consumer initiating this dispute. These items are causing defamation to my character and harm to my mode of living. I made it clear that these unauthorized items are a result of identity theft. You have not provided me with your method of validating these items or any documentary evidence to prove these items belong to me as I requested over 30 days ago. E-Oscar is NOT a proper means of investigation. Your company will be held liable under the willful non-compliance section of the FCRA ( 15 USC 1681n ) if you do not remove these items indefinitely from my report. You will also be liable for any adverse action I experienced due to the furnishing of these inaccurate items. The evidence of adverse action has been attached to this notice. XXXX conducted a proper investigation and removed these items from my consumer credit report in their system in accordance with the FRCA. You are required to do the same. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please correct this error and remove these items in good faith or I will proceed with legal matters. All information has been forwarded to the State Attorney General, the XXXX XXXX XXXX the Consumer Financial Protection Bureau, the Federal Trade Commission, and the registered agent, CEO and CFO of your company. Please notify me in writing of a settlement offer to resolve this error as well as written notification that the items have been deleted within four ( 4 ) days of receiving this notice to avoid any further violations. Thank you in advance for your cooperation.
Frequently Asked Questions
What is Complaint #5521322 about?
Complaint #5521322 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 2022-04-30T12:00:00-05:00.
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.