Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10912287
Complaint Overview
Complaint ID: 10912287
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: 30331
Date Received: 2024-11-23T12:00:00-05:00
Date Sent to Company: 2024-11-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, am disputing errors and unauthorized inquiries on my credit report, citing violations of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this includes issues such as : Incorrect Personal Information : My date of birth is incorrectly listed as XXXX. My name is inaccurately reported as " XXXX XXXX '' instead of " XXXX XXXX XXXX. '' Duplicate entries of my name also appear and need to be corrected or removed. Unauthorized Hard Inquiry : An inquiry by XXXX XXXX XXXX XXXX dated XX/XX/XXXX appears on my credit report without my knowledge or consent. I am requesting verifiable evidence of my explicit authorization, such as my signature or electronic signature, to support the inclusion of this data. Under FCRA Sections 605B and 604, such inquiries and personal data inaccuracies violate federal law if they lack proper validation or permissible purpose. Ive contacted the entities involved and determined that these actions were carried out without my consent or adherence to federal standards. Therefore, I am seeking the following actions : Immediate correction or removal of inaccuracies in my personal information. Removal of unauthorized inquiries unless valid documentation is provided to substantiate their legality. If the requested corrections are not made, it suggests that the reporting entities are failing to meet compliance with Metro 2 standards and my rights under the FCRA.
Frequently Asked Questions
What is Complaint #10912287 about?
Complaint #10912287 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 2024-11-23T12:00:00-05:00.
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.