Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12753707

CFPB complaint 12753707 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against EQUIFAX, INC. on March 31, 2025.

Complaint 12753707 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.

EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 12753707 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.

Complaint 12753707 was filed from Georgia. You can view all complaints from this state at /state/GA.

Dispute information is not available for complaint 12753707.

Complaint 12753707 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 12753707 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of consumer credit information, including the reporting of inquiries. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Improper use of your report".

Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The complaint suggests potential issues with Equifax's inquiry reporting accuracy or security, which could lead to further regulatory attention if systemic.

This case highlights the CFPB's oversight of credit bureaus' compliance with FCRA provisions related to consumer report accuracy and dispute resolution. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly monitor their credit reports for unauthorized inquiries and dispute any inaccuracies promptly with the credit reporting agency.

The complaint originated in Georgia, indicating a specific consumer's experience within that state's jurisdiction. This complaint was filed from Georgia.

Credit reporting agencies like Equifax are frequently subject to consumer complaints regarding report accuracy and unauthorized access.

The exact nature of the non-monetary relief is not detailed in the provided data, but it typically involves corrective actions by the company without financial compensation.

The FCRA requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of information in consumer reports, including inquiries, and allows consumers to dispute inaccurate information.