Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5571655
Complaint Overview
Complaint ID: 5571655
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: California
ZIP Code: 90712
Date Received: 2022-05-17T12:00:00-05:00
Date Sent to Company: 2022-05-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a negligence and wrongful conduct complaint against Equifax. Equifax sent my dispute resolution to the person committing fraud against me, even after I sent the Equifax agent a picture of my driver 's license via their secure link they provided, with my address. Let me start from the beginning. On XX/XX/2021, I submitted an application to get pre-approved for a loan. The loan consultant found 4 collection accounts under my SSN with just Equifax, none of which belonged to me. With an average FICO score of XXXX, this had never happened to me, and I didn't know where to start. That same day I called Equifax directly, provided my SSN, and a picture of the front and back of my driver 's license through a direct and secure link the agent sent to my cell phone. He submitted the dispute over the phone, provided me with a confirmation number and said Equifax would mail me a resolution within 30 days. I waited and never received anything. On XX/XX/2021, forty-five days later, I called back, Equifax was having system issues and they showed me how I could pull some information online. Here I discovered Equifax had changed my last name and address. The previous 2 names showed my actual current married name and my maiden name ; under previous addresses, it showed my actual current address of 10 years and my correct previous address. This discovery helped me find the electronic letter of my dispute resolution showing Equifax mailed it to the person committing fraud against me with the incorrect address in my credit report. Which should have never happened, because my identity had to have been verified when the original agent collected my driver 's license information and saw that the names and address didn't match the current name and address. The process took longer and added additional stressors as I had to open different disputes to change my name and address back in order to file another dispute to remove the collection accounts. Three months and multiple phone calls later, Equifax deleted the collection accounts under my credit report. Though, I still feel like my personal information was violated by sending the person committing fraud against me a letter with my full birthdate, and the collections dispute information. I hope that this does not happen to anyone else. Having to fight against identity theft is a large burden, and the negligence of Equifax agents only worsens the situation.
Frequently Asked Questions
What is Complaint #5571655 about?
Complaint #5571655 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 2022-05-17T12:00:00-05:00.
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.