Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9729102
Complaint Overview
Complaint ID: 9729102
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Arkansas
ZIP Code: 721XX
Date Received: 2024-08-06T12:00:00-05:00
Date Sent to Company: 2024-08-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with XXXX XXXX Equifax XXXX and XXXX XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and damaging. I demand the immediate correction or removal of this account from all credit reporting agencies and request a thorough investigation into these inconsistencies. Inaccuracies Identified XXXX. Date Opened : XXXX and Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : XXXX and XXXX : {$3900.00} Equifax : {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These discrepancies in reporting, particularly concerning the high credit, last reported date, date last active, and date of last payment, indicate inaccuracies in the information being reported. Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Inconsistent and incorrect information can negatively affect my credit score and financial reputation, leading to potential denials of credit and other financial opportunities. Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard. XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX. XXXX XXXX XXXX ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Frequently Asked Questions
What is Complaint #9729102 about?
Complaint #9729102 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 2024-08-06T12:00:00-05:00.
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.