Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10988586
Complaint Overview
Complaint ID: 10988586
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: Nevada
ZIP Code: 89117
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to address the presence of unauthorized and unconnected credit inquiries on my credit report. These inquiries are not tied to any account or transaction I initiated or approved, and their continued presence is a violation of my rights under federal credit laws. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a credit inquiry can only be performed with the consumers consent or in connection with a legitimate credit transaction initiated by the consumer. These inquiries on my credit report lack any associated accounts or transactions, and I have not provided explicit authorization for them. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. I have taken steps to dispute these inquiries with the credit reporting agencies, but they have yet to be removed. The failure to act on my dispute constitutes a failure to comply with federal laws requiring accurate reporting and prompt investigation. Credit inquiries, even if unauthorized, can negatively affect my credit score and overall creditworthiness. The existence of these unconnected inquiries is causing unnecessary harm to my financial reputation and may impact my ability to secure favorable terms for future financial opportunities. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that the credit reporting agencies promptly : Remove all unauthorized and unconnected inquiries from my credit report. Implement stricter verification processes to prevent unauthorized inquiries from being reported in the future. Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with the FCRA and protects my rights as a consumer. XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10988586 about?
Complaint #10988586 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 2024-12-01T12:00:00-05:00.
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.