Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11091864
Complaint Overview
Complaint ID: 11091864
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: New York
ZIP Code: 11520
Date Received: 2024-12-09T12:00:00-05:00
Date Sent to Company: 2024-12-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws in the handling of my credit report. These issues include : Willful Noncompliance : Entities reported inaccurate credit information about me without verifying its accuracy, in violation of FCRA Section 616. This willful noncompliance subjects them to civil liability. Failure to Disclose Opt-Out Rights : My personal information was shared without giving me the opportunity to opt out, violating FCRA Section 603 ( d ) ( 2 ) ( A ). Furnishing Deceptive Information : Inquiries and accounts were reported inaccurately and without proper validation, breaching FCRA Section 623 ( a ) ( 3 ). Harassment by Debt Collectors : Debt collectors reported false debts without my consent, engaged in unfair practices, and disclosed debt information to third parties, violating the Debt Collection Practices Act. Deceptive Late Payment Reporting : Late payments were reported inaccurately, with no clear definition of what constituted a late payment, leading to misleading and false entries on my credit report. Errors in Finance Charges : Entities failed to accurately determine and report finance charges, resulting in further errors on my credit report. Unauthorized Credit Report Access : My credit report was accessed and used without my written consent, which violates FCRA Section 1681b ( a ) ( 2 ). In addition to these violations, I have disputes regarding specific accounts and hard inquiries on my credit report. For each account, Ive requested debt validation under 15 U.S. Code 1692g, including documentation such as the original application or contract bearing my signature and proof of the debt collectors authority to collect. For hard inquiries made without my consent, Ive demanded their immediate deletion, citing FCRA Section 1681b ( a ) ( 2 ). These violations have caused me unnecessary distress and have tarnished my credit report with inaccurate and misleading information. I expect the responsible parties to take immediate action to address these issues by validating or removing the disputed items and correcting my credit report. If these matters are not resolved promptly, I am prepared to pursue all available legal remedies under the FCRA and related laws.
Frequently Asked Questions
What is Complaint #11091864 about?
Complaint #11091864 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 2024-12-09T12:00:00-05:00.
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.