Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12833164
Complaint Overview
Complaint ID: 12833164
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: Tennessee
ZIP Code: 38016
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
Tags: Servicemember
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute inaccurate, unauthorized, and negative information that appears on my credit report. I request that the following items be investigated and removed or corrected immediately as required by the Fair Credit Reporting Act ( FCRA ). The disputed items include : 1. Unauthorized/Inaccurate Inquiries There are several inquiries listed on my report that I do not recognize, did not authorize, and have no affiliation with. These inquiries are affecting my credit score and do not reflect my credit activity. 2. Unknown Accounts There are accounts showing on my credit report that I never opened. I believe these to be the result of identity theft or reporting errors. These accounts are negatively affecting my credit profile. 3. Negative Information I also dispute any and all negative items that are inaccurate, unverifiable, outdated, or not in compliance with federal credit reporting regulations. Please investigate these entries and delete any that can not be verified.
Frequently Asked Questions
What is Complaint #12833164 about?
Complaint #12833164 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.