Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8192906
Complaint Overview
Complaint ID: 8192906
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: Missouri
ZIP Code: 63136
Date Received: 2024-01-20T12:00:00-05:00
Date Sent to Company: 2024-01-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX-Submitted claim online for the Equifax data breach settlement. Claim number is XXXX It was determined ( and I have the screenshot ) that my information was affected by the Equifax data breach. My information was stolen due to Equifax negligence. This account is reporting inaccurately and needs to be deleted : XXXX XXXX/XXXX These accounts have erroneously decreased my credit limit and has subsequently hurt me as I try to reconcile the fraudulent activity and get my accounts restored back as they should. These accounts are listed as follows : XXXX XXXXCredit limit needs to be restored/increased to {$18.00}, XXXX. Due to Equifax data breach, these accounts were closed by grantor and need to be re-opened and my accounts reinstated to the credit limit I had previously as I gave no instructions to close these accounts. They are listed as follows : XXXX XXXX-restored/ increased to {$4000.00} credit limit XXXX XXXX XXXX-restored/increased to {$700.00} credit limit XXXX XXXX XXXX XXXX XXXX-restored/increased to {$830.00} credit limit I did not give instructions for these accounts to be closed or for the credit limits to be negatively tampered with. None of these accounts need to be closed but they should be adjusted as stated so that it can report accurately. I had a phone call in XXXX where I could not get a lower interest rate on my mortgage with XXXX XXXX because they said my credit report reflected negative information. I could not get a XXXX car loan with low interest rates as requested in XXXX, because they said my credit report reflected negative information. In XXXX, I was denied a {$5000.00} XXXX XXXX XXXX XXXX XXXX because they said my credit did not meet qualifying criteria. In XXXX, both my car insurance premiums escalated with XXXX and XXXX. They stated it was because of data in my credit. Before the Equifax data breach, my credit scores were in XXXX range. Now it is ranging between XXXX and XXXX because of the erroneous credit reporting, fraudulent activity, and other unknown reasons that I can only attribute to the data breach.
Frequently Asked Questions
What is Complaint #8192906 about?
Complaint #8192906 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 2024-01-20T12:00:00-05:00.
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.