Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5728743
Complaint Overview
Complaint ID: 5728743
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: Maryland
ZIP Code: XXXXX
Date Received: 2022-07-02T12:00:00-05:00
Date Sent to Company: 2022-07-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I pull have alerts set up on my credit as a result I received one stating that I have a collections account. I the called the place of business only to get brushed off by a staff member because I did not want to provide my personal identity information. I was not comfortable doing such because I have never done ANY BUSINESS with the merchant requested and I am not even sure how they were able to just plaster their info on my credit report without even have said proof. I DO NOT have any account with XXXXXXXX XXXX in fact I have never step foot on their property in over 2 decades. In fact, when I noticed a charge on my bank account initially back in XXXX of 2021, I immediately filed an unauthorized dispute with my bank. They closed the account and I thought that was the end of it. Now, they put an account on my credit when again I did not sign up for any account. Lastly on XXXX I called XXXX XXXX and explained that I personally was not the one who made the change on my card but knew who did and the charge was not authorized. I did not wish to prosecute the person because it was someone from my XXXX XXXX XXXXXXXX XXXX daycare center who also is a XXXX. At this point I feel like they took advantage of a situation and wish to hold someone accountable. However, that person is not me, I was working when this occurred and again DID NOT give anyone permission to use my bank card/XXXX XXXX or any financial Information to sign up for an account with these people. Nor did I sign anything EVER with the merchant agreeing today for anything. I tried to resolve the matter almost a year ago but they are now being vindictive to go the extra mile trying to force me to pay for what is clearly an unauthorized transaction.
Frequently Asked Questions
What is Complaint #5728743 about?
Complaint #5728743 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 2022-07-02T12:00:00-05:00.
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.