Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7210500
Complaint Overview
Complaint ID: 7210500
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: New York
ZIP Code: 11204
Date Received: 2023-07-05T12:00:00-05:00
Date Sent to Company: 2023-07-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to bring to your attention the presence of fraudulent accounts and addresses on my XXXX and Equifax credit reports. As a victim of identity theft, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate and delete these fraudulent entries from my credit reports, thereby restoring the accuracy and integrity of my credit history. Upon reviewing my credit reports, I discovered the following suspicious entries : XXXX : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} Equifax : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} I would like to emphasize that I have never engaged in any financial transactions or established any accounts with the aforementioned entities. These entries are fraudulent and have been included on my credit reports without my knowledge or consent. The existence of these entries poses a serious threat to my financial well-being and tarnishes my creditworthiness, which I have diligently maintained over the years. I understand that it is my responsibility to regularly review my credit reports, and I regret that I did not notice these fraudulent accounts during the period of XXXX. The reason for this oversight is that during that time, I was experiencing significant personal difficulties, including a family emergency and subsequent relocation, which required my undivided attention. Unfortunately, these extenuating circumstances prevented me from meticulously reviewing my credit report during that specific time frame.However, I assure you that I have taken immediate action upon discovering these fraudulent entries and have promptly reported the matter to the relevant authorities. In addition to the fraudulent accounts, I also request the removal of the following fraudulent addresses associated with my name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX can unequivocally confirm that these addresses are in no way associated with me, and their inclusion further supports the fact that my identity has been compromised. To substantiate my claim, I have enclosed a copy of my government-issued identification document along with a recent utility bill, both of which clearly indicate my true residential address. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable credit reports. Section 611 ( a ) ( 2 ) of the FCRA explicitly grants me the right to dispute inaccurate information and have it promptly removed from my credit reports. I urge the CFPB to exercise its authority to protect consumers like myself by conducting a thorough investigation into these fraudulent accounts and addresses, and taking appropriate action to rectify the situation. I kindly request that the CFPB notify XXXX and Equifax regarding the fraudulent nature of these accounts and addresses, urging them to remove them from my credit reports without delay. Moreover, I expect to receive written confirmation from XXXX and Equifax once the necessary corrections have been made. I greatly appreciate your attention to this matter and your swift action in addressing this issue. Please do not hesitate to contact me if you require any additional information or documentation to proceed with the investigation. Thank you for your immediate attention to this urgent matter. Yours faithfully, XXXX XXXX
Frequently Asked Questions
What is Complaint #7210500 about?
Complaint #7210500 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 2023-07-05T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.