Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11442630
Complaint Overview
Complaint ID: 11442630
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: Florida
ZIP Code: 349XX
Date Received: 2025-01-08T12:00:00-05:00
Date Sent to Company: 2025-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
It's been going on for the past year to present. There are so many instances however the huge drops of XXXX or more points are explained that it just happen 's!! I explained that this can't be your explanation! It has to caused by some negative credit. Additionally, I get collection notices ( a few ) that were from companies that I paid or companies from several years old some XXXX years that did not report this on my credit report for years and years back that showed I had made payments however, the show back up after I settled the account in past. Equifax doesn't remove it because they don't see what I'm pointing out, they explain that the collection agency reports differently. Sometimes it will come from different credit reporting collections however the original company was the same I settled. XXXX is XXXX, another is any collection company on my report not settled. I can't get anywhere despite this back and forth correspondence between me and Equifax. I'm really exhausted. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11442630 about?
Complaint #11442630 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 2025-01-08T12:00:00-05:00.
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.