Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10507386
Complaint Overview
Complaint ID: 10507386
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 080XX
Date Received: 2024-10-18T12:00:00-05:00
Date Sent to Company: 2024-10-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Recently I went over my Equifax consumer report and discovered that there is multiple collections accounts and inaccurate information reporting that's negatively impacting my credit score. There are collections agencies that are reporting debt to the credit reporting agencies but had no prior consent or authorization to obtain nor share my personal information. I am aware that I have a right of privacy in accordance of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which sharing my personal information they. violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have no knowledge of the creditors that obtained my personal information nor did I give them consent to report any debt. The debt that they're seeking I refuse to pay. After reaching out to the creditors asking them to verify any alleged debt, they failed to provide any contracts or agreements between us. I asked Equifax to report accurate and verifiable information only. Equifax is reporting this account to my consumer report without having any proper verification documents. Violations committed by both Equifax and the Creditors reporting the alleged debt : 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681 - Congressional findings and statement of purpose
Frequently Asked Questions
What is Complaint #10507386 about?
Complaint #10507386 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-10-18T12:00:00-05:00.
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.