Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8012184
Complaint Overview
Complaint ID: 8012184
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Montana
ZIP Code: 590XX
Date Received: 2023-12-16T12:00:00-05:00
Date Sent to Company: 2023-12-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Required for FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing to address discrepancies in my credit report that seem to conflict with the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review, it has become apparent that several errors persist within my credit profile, suggesting possible non-compliance with FCRA standards within your agency. Allow me to stress the significance of the Fair Credit Reporting Act, a pivotal federal statute governing the collection and reporting of consumer credit information. It serves as the cornerstone for ensuring accurate acquisition, retention, and disclosure of consumer credit data, fostering transparency and fairness for consumers. Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. Merging of individuals ' information by reporting agencies based on name similarities or social security numbers. Neglecting prescribed dispute-handling protocols within agencies. Under the Fair Credit Reporting Act, individuals like myself have certain rights, including : Verification of report accuracy, particularly for employment purposes. Notification if our information has been used against us in credit applications or other transactions. The ability to dispute and request the rectification or removal of incomplete, erroneous, or unverifiable data. Removal of outdated negative information after a certain period. I formally request the immediate rectification of the listed items below. These inaccuracies blatantly breach FCRA standards and have caused significant distress, as demonstrated in a recent denial for extended credit due to errors originating from your agency. 1. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 2. i don't own any debt on this account. the account was closed with zero balance. However Equifax still report the inaccurate balance of XXXX. The payment history is different across all three bureaus. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 3. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 4. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 5. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 6. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 7. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. Your prompt attention to rectifying these violations within the FCRA 's mandated timeframe is greatly appreciated. Failure to address these concerns may require me to pursue legal measures to uphold my rights under the FCRA. Thank you sincerely for your cooperation and understanding in this matter. Best regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #8012184 about?
Complaint #8012184 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-12-16T12:00:00-05:00.
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 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.