Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6673859
Complaint Overview
Complaint ID: 6673859
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: Account information incorrect
State: Ohio
ZIP Code: 44121
Date Received: 2023-03-09T12:00:00-05:00
Date Sent to Company: 2023-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2023 I notified Equifax about inaccuracies found on my consumer report causing " DEFAMATION OF MY CHARACTER '' according to the Fair Credit Reporting Act ( 15 USC 1681 ). The inaccurate information are violations of the Fair Credit Reporting Act which includes but is not limited to : -Inquiries ( not in connection with any active or current transaction with a creditor and is unauthorized use of credit ) 15 USC 1681b , 15 USC 1602 -Exclusions-for furnishing a report containing information as to transactions or experiences between me the consumer and the person making the report ( 15 USC 1681a ) -Defamation of Character- the consumer reporting agency, Equifax, furnishing inaccurate information on my consumer report bearing on my CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS AND OR MY MODE OF LIVING and because of these inaccuracies I have been injured because this inaccurate information is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing my eligibility forcredit or insurance to be used primarily for personal, family, or household purposes ; Civil Liability for Willful Noncompliance- Equifax willfully fails to comply with requirements of the Fair Credit Reporting Act with respect to me as a consumer ( 15 USC 1681n ) Civil Liability for Negligent Noncompliance- Equifax is negligent for failing to comply with requirements of the Fair Credit Reporting Act with respect to me as a consumer ( 15 USC 1681o ) During this time I notified " Equifax " about the inaccuracies according to the Fair Credit Reporting Act ( 15 USC 1681c ) the consumer reporting agency continues to furnish inaccurate information relating to me as a consumer after being notified. I have 51 inquiries on my consumer report none of which are engaged in any active transactions and now activity DEFAMING MY CHARACTER causing adverse actions whether by increased apr, finance charges or discrimination under the Equal Credit Opportunity Act ( 15 USC 1691 ). I have multiple open/closed accounts with my transactions and experiences that should not be on my consumer report defaming my character marking such as ( " late payments, any and all balances including but not limited to ; original/current balance, highest held balance, monthly payment, past due, status and even violation of 15 USC 1681c with respect to my account information ). Furthermore, because of this inaccurate information Equifax is allowing to be furnished, my character, general reputation, personal characteristics, and or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing my eligibility as a consumer forcredit or insurance to be used primarily for my personal, family, or household purposes; damaging my credit worthlessness, standing and or capacity. ( 15 USC 1681a ) If this matter is answer with a frivolous response I would like for the Consumer Financial Protection Bureau to further investigate as well as forward all of my information to the Federal Trade Commission
Frequently Asked Questions
What is Complaint #6673859 about?
Complaint #6673859 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 2023-03-09T12:00:00-05:00.
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.