Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12075022
Complaint Overview
Complaint ID: 12075022
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: Georgia
ZIP Code: 30263
Date Received: 2025-02-13T12:00:00-05:00
Date Sent to Company: 2025-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandates the blocking of information resulting from a data breach or fraud. FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX restricts the permissible purposes of consumer reports, which these inquiries and accounts do not meet. I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed from my credit report. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. I request immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond in a timely manner in accordance with the FCRA.
Frequently Asked Questions
What is Complaint #12075022 about?
Complaint #12075022 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 2025-02-13T12:00:00-05:00.
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.