Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11070027
Complaint Overview
Complaint ID: 11070027
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: Ohio
ZIP Code: 44112
Date Received: 2024-12-07T12:00:00-05:00
Date Sent to Company: 2024-12-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, i have recently challenged the errors on my credit report, and notice there were multiple accounts that were not corrected. These accounts were UPDATED and VERIFIED, but they still reflect false information on my credit file. I sent a letter to the credit bureau explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner. I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. XXXX ) XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX Account XXXX XXXX ) XXXX Account XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please help assist me with the Credit Bureaus direct violation of my rights. The incorrect information is causing financial distress for me and my family and its unfair. Thank You
Frequently Asked Questions
What is Complaint #11070027 about?
Complaint #11070027 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 2024-12-07T12:00:00-05:00.
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.