Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9007860
Complaint Overview
Complaint ID: 9007860
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: Texas
ZIP Code: 77386
Date Received: 2024-05-14T12:00:00-05:00
Date Sent to Company: 2024-05-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized inquiries/addresses that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These inquiries/addresses have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Violation 1 : Unknown Inquiry Purpose. Violation 2 : No Consumer Consent. Violation 3 : Inaccurate Reporting Date. FCRA Violation : Failure to provide clear and accurate information to the consumer. ( FCRA 623 ( a ) ( 1 ) ( A ) ). The status and terms of these unauthorized inquiries/addresses are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The unauthorized inquiries/addresses information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized inquiries/addresses remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9007860 about?
Complaint #9007860 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 2024-05-14T12:00:00-05:00.
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 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.