Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12950507
Complaint Overview
Complaint ID: 12950507
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: New York
ZIP Code: 105XX
Date Received: 2025-04-11T12:00:00-05:00
Date Sent to Company: 2025-04-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint against [ Experian/Equifax/TransUnion ] for repeated violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ( 12 U.S.C. 5531, 5536 ) regarding inaccurate, unverifiable, and harmful information on my credit report. Nature of Complaint : Violation of My Consumer Rights I have disputed the following account ( s ) with [ Experian/Equifax/TransUnion ] , and they have failed to conduct a reasonable reinvestigation or provide adequate verification as required under 15 U.S.C. 1681i : Creditor Name : XXXX Account XXXX Nature of Dispute : The account contains materially false information, including, false payment history, misreported account status, incorrect Date of First Delinquency, duplicate/re-aged account ]. Despite my request, the credit bureau has not properly verified or deleted the inaccurate account in compliance with the law. Violations Committed by [ Experian/Equifax/TransUnion ] 1 . Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) o My dispute was processed through an automated system ( e-OSCAR ) rather than a meaningful investigation involving creditor records. This does not satisfy the FCRAs investigation requirements. 2. Failure to Delete Unverified or Inaccurate Information ( 15 U.S.C. 1681i ( 5 ) ) o The FCRA mandates the removal of any information that can not be verified. Since [ Experian/Equifax/TransUnion ] has not provided proper v erification, the account must be deleted. 3. Reporting Inaccurate Information with Reckless Disregard ( 15 U.S.C. 1681e ( b ) ) o Under the maximum possible accuracy standard, the credit bureau must ensure all reported information is correct. The continued reporting of this inaccurate account is a violation of my consumer rights. 4. Failure to Properly Notify Data Furnisher ( 15 U.S.C. 1681s-2 ) o The credit bureau has failed to ensure the furnisher of information ( the creditor ) properly investigates and corrects the error, violating the FCRA. 5. Violation of the Gramm-Leach-Bliley Act ( GLBA ) o 15 U.S.C. 6801 ( b ) : Financial institutions must protect the accuracy and confidentiality of my personal data. Allowing inaccurate credit information to remain on my file is a violation of this duty. 6. Engagement in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) o The CFPB prohibits financial institutions from engaging in deceptive practices. By misrepresenting my creditworthiness and failing to correct known errors, [ Experian/Equifax/TransUnion ] has committed a UDAAP violation under 12 U.S.C. 5531, 5536.
Frequently Asked Questions
What is Complaint #12950507 about?
Complaint #12950507 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 2025-04-11T12:00:00-05:00.
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.