Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12951406
Complaint Overview
Complaint ID: 12951406
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: 2025-04-11T12:00:00-05:00
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
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information & Reference to CFPB Consent Order File No. 2025-CFPB-0002 To Whom It May Concern : I am writing to formally dispute one or more items listed on my credit report maintained by Equifax. I believe this information is inaccurate, incomplete, or unverifiable, and I request a thorough reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( b ), 611 ( a ) ( 1 ) ( 6 ), and other applicable laws. My dispute is based on the following concerns, which are consistent with findings identified in the CFPB Consent Order ( File No. 2025-CFPB-0002 ) : 1. Failure to Conduct a Reasonable Reinvestigation : My previous dispute was not properly investigated. I provided relevant documentation, but Equifax appears to have relied solely on the furnishers response without considering this evidencecontrary to the FCRAs requirements under 611 ( a ) ( 1 ) and ( 4 ). 2. Failure to Transmit All Relevant Information : I have reason to believe that Equifax did not send all relevant consumer-provided documentation to the furnisher, violating 611 ( a ) ( 2 ) of the FCRA. 3. Deficient Results Letter : The reinvestigation results I received were vague, contradictory, and confusingcontaining conflicting statements and lacking a clear explanation of what was corrected, if anything. This violates 611 ( a ) ( 6 ). 4. Potential Reinsertion of Deleted Information : If this disputed item was previously removed and has since reappeared, I demand documentation proving that Equifax complied with 611 ( a ) ( 5 ) ( B ), including certification from the furnisher and timely notice to me. 5. Unfair and Deficient Dispute Process : As documented in the CFPB Order, Equifax has admitted to flawed systems, unreasonably restrictive document acceptance policies, and repeated failures to address consumer disputes appropriately. I demand that my dispute be handled in compliance with the affirmative requirements set forth in the Consent Order. Please find attached copies of supporting documents relevant to this dispute [ list documents here, e.g., billing statements, identity verification, creditor correspondence, etc. ]. I request the following : A thorough reinvestigation of the disputed item ( s ). A clear and complete explanation of the outcome of the reinvestigation. Immediate correction or deletion of any inaccurate, incomplete, or unverifiable information. A free updated copy of my credit report reflecting any corrections made. Please complete this reinvestigation within the 30-day period prescribed by the FCRA and send your response to the address listed above. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12951406 about?
Complaint #12951406 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.