Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10806414
Complaint Overview
Complaint ID: 10806414
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 York
ZIP Code: 11213
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
Im reaching out to formally address a concerning issue regarding my recent credit card application with XXXX XXXX. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. On XX/XX/year>, I submitted a single credit card application with XXXX XXXX, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this one application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. Upon receiving a letter from XXXX XXXX regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from XXXX XXXX, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score. To ensure the application could be processed, I followed XXXX XXXX recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, Equifax, XXXX, XXXX, and XXXX. After doing so, I contacted XXXX XXXX to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. Due to the financial impact caused by these multiple inquiries, I am formally requesting that XXXX XXXX remove all the inquiries from my credit reports. Additionally, I ask that XXXX XXXX provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above. Thank you for your attention to this matter. I trust that XXXX XXXX will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.
Frequently Asked Questions
What is Complaint #10806414 about?
Complaint #10806414 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.