Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7163313
Complaint Overview
Complaint ID: 7163313
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: Colorado
ZIP Code: 80917
Date Received: 2023-06-24T12:00:00-05:00
Date Sent to Company: 2023-06-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the following information that appears on my consumer report : Dispute 1 : XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account opened : XX/XX/XXXX / Credit Limit : {$450.00} Last payment date : XXXX XXXX, XXXX Dispute 2 : XXXX XXXX XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account Opened : XX/XX/XXXX / Credit Limit : {$800.00} Account Closed : {$800.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Dispute 3 : XXXX XXXX XXXX / Account number : XXXX ( Collections ) Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$330.00} Past due Amount : {$330.00} Paid Off : 0 % Dispute 4 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$290.00} Paid Off : 0 % Dispute 5 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account : XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$910.00} past due as of XX/XX/XXXX Paid Off : 0 % Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX . However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #7163313 about?
Complaint #7163313 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 2023-06-24T12:00:00-05:00.
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.