Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7359985
Complaint Overview
Complaint ID: 7359985
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: Virginia
ZIP Code: 23321
Date Received: 2023-08-06T12:00:00-05:00
Date Sent to Company: 2023-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
To Whom It May Concern : 15 USC 1681 ( c ) ( 2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have contacted Equifax fourteen times, via certified mail, consumer protection financial bureaus portal, and Equifaxs dispute portal to dispute fraudulent accounts which were a direct result of identity theft, on my consumer report. Despite providing proof of the Federal Trade Commissions identity theft affidavit, police reports, my current drivers license and utility bill, and a dispute letter stating that the information/ transactions were fraudulent and not relating to any transaction by me, Equifax has failed to follow the law, conduct an actual investigation, and remove all fraudulent information from my consumer report. In accordance with 15 USC 1681 ( c-2 ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), Equifax should have blocked all information resulting from identity theft within 4 days. 15 USC 1681 ( b ) ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Based on the above laws and circumstantial situation, I demand the deletion of the following account : 1. XXXX XXXX ( XXXX ), Account # : XXXX 2. XXXX, Account # : XXXX 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As there are a multitude of inaccurate variations, I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX ( delete all other names ) 2. My Address : XXXX XXXX XXXX # XXXX XXXX, VA XXXX ( delete all other addresses ) Please delete all other addresses, as I can not receive mail or any correspondence, nor do I have access to any of these addresses. Please delete these fraudulent addresses and update the address with the correct one above. My only Phone number is ( XXXX ) XXXX XXXX. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Frequently Asked Questions
What is Complaint #7359985 about?
Complaint #7359985 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 2023-08-06T12:00:00-05:00.
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.