Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10892355
Complaint Overview
Complaint ID: 10892355
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: Georgia
ZIP Code: 30312
Date Received: 2024-11-21T12:00:00-05:00
Date Sent to Company: 2024-11-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Final Complaint Under the Fair Credit Reporting Act ( FCRA ) and Demand for Resolution through XXXX Dear Equifax Information Services, I am writing to formally express my dissatisfaction with your handling of my credit information and the numerous violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of your gross negligence and misconduct. Despite my multiple disputes regarding inaccurate information on my credit report, including a fraudulent residence listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I have never XXXX has failed to take appropriate action. This misinformation has persisted, and you have continued to display XXXX XXXX XXXX XXXX as my residence, which is my previous address linked to my family but not applicable to me. My current and verifiable residence is XXXX XXXX XXXX XXXX XXXX XXXX, which is also correctly reflected on my other credit reports. Additionally, the trade line reported by XXXX XXXX is erroneous and must be investigated as per FCRA requirements. I have provided supporting documentation alongside my disputes, including my FTC report regarding identity theft, yet this has not led to the necessary corrections. Your company has been sending me correspondence to my correct address as listed, yet in its attempts to delay and hinder a true investigation, it has misleadingly listed XXXX XXXX XXXX as my address for dispute results. This misinformation not only adds to my frustration but further complicates the resolution process. Furthermore, it is important to clarify that my legal name is XXXX XXXX XXXX, with the " V '' always capitalized. The repeated failure to report accurate and verified information, as well as to conduct proper due diligence during the dispute resolution process, has severely impacted my creditworthiness. I have been unable to secure products with lenders who can not locate my credit file, and my business bureau scores have not been accessible since XX/XX/XXXX. Due to these ongoing issues and the significant distress and fraud resulting from your inaccuracies, I hereby demand a resolution through arbitration per the terms outlined within my credit report agreement with Equifax. It is essential that you take this matter seriously, investigate my complaints thoroughly, and rectify the errors reported on my credit file immediately. Failure to address these issues may force me to pursue further legal action to enforce my rights under the FCRA. Thank you for your prompt attention to this serious matter. I look forward to your timely response. Sincerely, [ XXXX XXXX XXXX ] ---
Frequently Asked Questions
What is Complaint #10892355 about?
Complaint #10892355 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 2024-11-21T12:00:00-05:00.
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.