Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12753764
Consumer Disputes Unauthorized Credit Inquiries Citing FCRA Rights
Complaint Overview
Complaint ID: 12753764
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 339XX
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of unauthorized credit inquiries can negatively impact a consumer's credit score and may indicate potential identity theft or fraudulent activity.
Consumer Sentiment: negative
Topics: Credit reporting, FCRA, Unauthorized inquiries
AI Analysis
CFPB complaint 12753764 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer is disputing unauthorized credit inquiries on their report, citing FCRA sections related to dispute rights, access to information, and permissible purposes for credit report access. The complaint was received on March 31, 2025 from Florida. The company responded with "Closed with non-monetary relief".
Consumer Narrative
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for unfamiliar inquiries and dispute them promptly with the credit reporting agency and the entity that made the inquiry.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports, including unauthorized inquiries.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and remove inaccurate information, and failure to do so can result in legal action.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Florida and has previously filed a complaint with the FTC regarding similar issues.
Industry Comparison
This is a common issue within the credit reporting industry, where consumers frequently encounter and dispute unauthorized inquiries.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753764 about?
CFPB complaint 12753764 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.
Which company is complaint 12753764 filed against?
Complaint 12753764 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.
What was the company's response to complaint 12753764?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753764 filed?
Complaint 12753764 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753764 filed from?
Complaint 12753764 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 12753764?
Dispute information is not available for complaint 12753764.
What product category is complaint 12753764 about?
Complaint 12753764 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 12753764 submitted?
Complaint 12753764 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12753764?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports, including unauthorized inquiries. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Improper use of your report".
How likely is complaint 12753764 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12753764?
This complaint is rated as medium risk. The presence of unauthorized credit inquiries can negatively impact a consumer's credit score and may indicate potential identity theft or fraudulent activity.
What regulatory actions apply to complaint 12753764?
Credit reporting agencies have a responsibility to investigate disputes and remove inaccurate information, and failure to do so can result in legal action. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 12753764?
Consumers should regularly review their credit reports for unfamiliar inquiries and dispute them promptly with the credit reporting agency and the entity that made the inquiry.
Are there state-specific protections for complaint 12753764?
The consumer is located in Florida and has previously filed a complaint with the FTC regarding similar issues. This complaint was filed from Florida.
How does complaint 12753764 compare to industry norms?
This is a common issue within the credit reporting industry, where consumers frequently encounter and dispute unauthorized inquiries.
What steps should a consumer take if they suspect identity theft due to unauthorized credit inquiries?
If identity theft is suspected, the consumer should file a police report, place a fraud alert on their credit reports, and consider a credit freeze.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.