Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6577494
Complaint Overview
Complaint ID: 6577494
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: Michigan
ZIP Code: 48180
Date Received: 2023-02-15T12:00:00-05:00
Date Sent to Company: 2023-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax is refusing to remove this unverified account by the name of XXXX XXXX, from my credit report. As reported and I demand for swift action on Equifax part. Additionally, this compliant also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Auto Loan, to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, EQUIFAX is in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that they did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Auto Loan. This Auto loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that EQUIFAX do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that EQUIFAX included in your consumer reports that you prepare concerning me. EQUIFAX Your prompt attention to this important matter is requested to comply with federal law.
Frequently Asked Questions
What is Complaint #6577494 about?
Complaint #6577494 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 2023-02-15T12:00:00-05:00.
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.