Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11474884
Complaint Overview
Complaint ID: 11474884
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 95833
Date Received: 2025-01-10T12:00:00-05:00
Date Sent to Company: 2025-01-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and any unauthorized inquiries or accounts must be thoroughly investigated. I hereby demand verifiable proof bearing my signature or electronic signature for these actions. Please note that this letter is being sent directly by me, not through a third party, so I request that you review it carefully. I never authorized the actions reflected in my credit report, and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. After contacting the companies involved, I have confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers. I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.
Frequently Asked Questions
What is Complaint #11474884 about?
Complaint #11474884 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-10T12:00:00-05:00.
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.