Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8325782
Complaint Overview
Complaint ID: 8325782
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: Tennessee
ZIP Code: 37363
Date Received: 2024-02-11T12:00:00-05:00
Date Sent to Company: 2024-02-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have provided Equifax will all requested documents for my identity theft case they continue to refuse to remove a fraudulent account from my credit report. Both XXXX and XXXX have followed the law and removed the fraudulent account that resulted from Identity theft. I have provided an FTC identity theft report, a police report, an affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX Bank. XXXX and XXXX complied with the requests and the law but Equifax is refusing to do so. Equifax is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. Conducting an investigation of the furnisher 's reporting is NOT part of the identity theft blocking process, and is NOT basis for denying the block under section XXXX05B. Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. I am in contact with an attorney and will be seeking these damages against Equifax if this fraudulent account information is not removed from my credit report immediately. Stop telling me that you have verified the account as accurate.
Frequently Asked Questions
What is Complaint #8325782 about?
Complaint #8325782 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 2024-02-11T12:00:00-05:00.
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.