Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12812084
Complaint Overview
Complaint ID: 12812084
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: California
ZIP Code: 94582
Date Received: 2025-04-03T12:00:00-05:00
Date Sent to Company: 2025-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently reviewed my credit report as of XX/XX/XXXX, and noticed several hard inquiries that appear to lack a permissible purpose. I have attached supporting evidence for your reference. XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b.
Frequently Asked Questions
What is Complaint #12812084 about?
Complaint #12812084 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 2025-04-03T12:00:00-05:00.
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.