Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11769969
Complaint Overview
Complaint ID: 11769969
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: Michigan
ZIP Code: 48312
Date Received: 2025-01-23T12:00:00-05:00
Date Sent to Company: 2025-01-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I was also wondering if you were familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. Thank You, Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11769969 about?
Complaint #11769969 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 2025-01-23T12:00:00-05:00.
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.