Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12832321
Complaint Overview
Complaint ID: 12832321
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: Illinois
ZIP Code: 60621
Date Received: 2025-04-04T12:00:00-05:00
Date Sent to Company: 2025-04-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax has violated My rights as a consumer also thr FCRA wnd FDCPA Furnishing my report " XXXX XXXX '' and collection companies XXXX, XXXX, This is an alleged debt the credit agency XXXX did NOT Notify me before placing it onto my report, I did not give consent of no kind. " The FDCPA and FCRA states if a company is trying to collect a debt after selling it to multiple collections the FDCPA and FCRA provide consumer protections, including limitations on communication frequency methods, and I the consumer have the right to dispute a debt '' I've recieved emails phonencalls and text messages from both collections about the same debt this is a violation to be contacting me who given them the right? I did not consent to this, I did not gibe them my information, and also ai did not confirm they can contact me via email, text, or phone calls, also according to 18 US code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. XXXX has sent my personal imformation to multiple collections without my consent As per XXXX, XXXX, NOW THEMSELVES ( XXXX ) are trying to collect on an alleged debt. according to the FCRA this is a violation of my consumer rights. It's also ILLEGAL for a debt collector to buy any debt and come after consumers without the consimer written consent, as per 18 US code 894 TO CONSPIRE to colect a debt can lead to XXXX, and or fees. As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency I will attach copies of collection agencies reaching out to me about this alleged debt ; Multiple, and also Attach my Identity documents for verification purposes. Please handle this improtant matter, and send me any updated reports immediately. XXXX XXXX
Frequently Asked Questions
What is Complaint #12832321 about?
Complaint #12832321 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 2025-04-04T12:00:00-05:00.
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.