Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10912591
Complaint Overview
Complaint ID: 10912591
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: Virginia
ZIP Code: 20120
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
After reviewing my credit report, I found several inaccuracies and unverifiable items that need immediate attention. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and impact the accuracy and reliability of my credit profile. Specifically : XXXX XXXX XXXX My date of birth is inaccurately reported as XXXX, which needs to be corrected. Unverified Account The account from XXXX XXXX ( XXXX ) appears on my credit report, but I have not received sufficient validation proving its accuracy or legitimacy. Unsubstantiated XXXX XXXX collections entry from XXXX ( XXXX ) is listed, and its validity has not been verified with proper documentation. Unverified Inquiry A hard inquiry from XXXX ( XXXX ) appears on my credit file, and I am questioning its permissible purpose as required under 15 U.S.C. 1681b of the FCRA. These inaccuracies undermine the trustworthiness of my credit report and can negatively impact my financial opportunities. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverified information. If the credit reporting agency ( CRA ) or data furnishers can not provide evidence to substantiate these items, they are required to remove or correct them promptly. I have formally requested an investigation into these matters and expect : XXXX or removal of the challenged entries. Documentation to support any information that remains on my credit report. An updated and corrected credit report upon the completion of the investigation. This situation demands immediate attention, and I trust it will be resolved within the XXXX time frame mandated by the FCRA. If not addressed properly, I am prepared to pursue further action to protect my rights.
Frequently Asked Questions
What is Complaint #10912591 about?
Complaint #10912591 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.