Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12665610
Complaint Overview
Complaint ID: 12665610
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: New York
ZIP Code: 11367
Date Received: 2025-03-25T12:00:00-05:00
Date Sent to Company: 2025-03-25T12:00:00-05:00
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 fraudulent information appearing on my EQUIFAX credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that these fraudulent accounts be blocked and permanently removed from my credit file. FTC REPORT NUMBER : XXXX FTC REPORT NUMBER : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report, which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request. The following accounts have been fraudulently reported and must be DELETED IMMEDIATELY : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX I have made multiple attempts to resolve this issue directly with EQUIFAX, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for these accounts, and have not received any response within the legally mandated timeframe. Due to the continued reporting of these fraudulent accounts, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of these accounts. I expect written confirmation of the removal of these fraudulent accounts from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights. Thank you for your prompt attention to this urgent issue.
Frequently Asked Questions
What is Complaint #12665610 about?
Complaint #12665610 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 2025-03-25T12:00:00-05:00.
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.