Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9389894
Complaint Overview
Complaint ID: 9389894
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: California
ZIP Code: 92101
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to report and resolve several inaccuracies on my credit report, which have persisted despite my multiple attempts to address them with the relevant credit companies. Below are the details of each issue, including the steps I have taken to resolve them and the lack of resolution from the companies involved. Unauthorized Accounts : 1. XXXX XXXX Loan : Date Opened : XX/XX/XXXX Amount : {$16000.00} Account Number : Starting with XXXX Action Taken : I contacted XXXX multiple times via phone and submitted written disputes regarding this unauthorized account. Despite my efforts, the account remains on my credit report. XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$860.00} Account Number : Starting with XXXX Action Taken : I reached out to XXXX XXXX through phone calls and letters to dispute this account, which I did not authorize. My disputes have not resulted in the removal of this account from my credit report. Unauthorized Inquiries : XXXX. XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXX customer service and submitted a dispute for this unauthorized inquiry. No action has been taken to remove it from my credit report. XXXXXXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I disputed this inquiry directly with XXXX and through the credit bureaus, but it remains on my report. XXXX. XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXXXXXX XXXX and the credit bureaus to dispute this unauthorized inquiry. It has not been removed. XXXX. XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX Action Taken : I reached out to XXXXXXXX XXXX and filed disputes regarding this unauthorized inquiry. It still appears on my credit report. Inaccurate Late Payment : XXXX. XXXX XXXX XXXX : Late Payment Date : XX/XX/XXXX Action Taken : This account was paid on time, but the payment check was not received by the company. I provided proof of timely payment and contacted both XXXX XXXX and the credit bureaus to correct this error. Despite my efforts, the late payment notation remains on my report. Summary of Actions : I have contacted each company involved via phone and in writing multiple times. I have submitted disputes through the credit bureaus ( XXXX, Equifax, XXXX ) for each issue. I have provided supporting documentation where applicable. Despite these actions, the unauthorized accounts, inquiries, and the inaccurate late payment remain unresolved on my credit report. I am seeking your assistance to facilitate the removal of these inaccuracies to ensure the accuracy of my credit report.
Frequently Asked Questions
What is Complaint #9389894 about?
Complaint #9389894 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 2024-06-30T12:00:00-05:00.
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.