Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10806378
Complaint Overview
Complaint ID: 10806378
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 34746
Date Received: 2024-11-14T12:00:00-05:00
Date Sent to Company: 2024-11-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax Information Services LLC. I want to formally address a series of concerns regarding my ongoing disputes with Equifax and the unacceptable handling of my case. Despite my repeated attempts to resolve these matters, I have encountered significant delays, miscommunication, and an overall lack of professionalism in your handling of my account. I am deeply frustrated by the disregard for both my time and my rights as a consumer. I have diligently followed the instructions provided by Equifax and submitted all requested documentation, including supporting evidence of fraudulent inquiries, via certified mail to your XXXX XXXX XXXX and through the Dispute Center on your website. However, I have not received proper acknowledgment or resolution. According to USPS tracking information, the certified mail has been successfully delivered, but I have been repeatedly informed by different agents that my documents were either not received or were disregarded due to issues with verifying my identity, despite providing valid documentation. Furthermore, I have experienced inconsistent and contradictory statements from Equifax representatives. On one occasion, I was informed that my dispute was being evaluated, only to be told days later by another agent that my documentation had never been received. Additionally, I was told that my Social Security card, which is marked " for work only, '' was insufficient proof of my identity, despite this being an official government-issued document. This response is not only illogical but also discriminatory and disrespectful. What is even more concerning is the apparent alteration of my name on your records without any valid explanation. Equifax has added suffixes to my name that have never existed, further complicating the situation and raising doubts about the accuracy and integrity of my credit file. I find it unacceptable that Equifax, as a leading credit reporting agency, is failing to uphold its responsibilities to consumers and is not acting in accordance with the law. Your lack of transparency and unwillingness to assist in resolving these issues has caused me undue stress and frustration. I respectfully request that this matter be escalated and given the serious attention it deserves. I expect prompt action to correct the inaccuracies on my credit file, resolve the fraudulent inquiries, and address the mishandling of my disputes. If this issue is not resolved within a reasonable timeframe, I will be forced to explore further legal options to protect my rights and seek compensation for any damages caused.
Frequently Asked Questions
What is Complaint #10806378 about?
Complaint #10806378 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 2024-11-14T12:00:00-05:00.
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.