Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13248360
Complaint Overview
Complaint ID: 13248360
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: New Jersey
ZIP Code: 07010
Date Received: 2025-04-29T12:00:00-05:00
Date Sent to Company: 2025-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint : I am submitting this complaint because my credit score is being negatively impacted by unexplained changes made by one or more credit reporting agencies ( transunion, equifax, experian ) and I have received no clear justification for these actions. Every month, I receive a notification that my credit score has droppedsometimes by several pointsdespite the fact that I have not : Opened any new accounts Incurred any new inquiries Missed any payments Changed my spending or credit usage patterns I monitor my credit regularly and maintain responsible financial habits. These repeated score drops appear arbitrary and without factual basis. I have attempted to find explanations through the credit bureaus systems, but I am consistently directed to automated or generic dispute processes with no meaningful resolution or accountability. This ongoing pattern feels unjust and potentially abusive, and I believe it may reflect improper internal handling of consumer data or unfair scoring practices. I am formally requesting : 1. A clear explanation and documentation of the causes of these score changes. 2. A correction to my credit file, if no valid reason exists for these drops. 3. Measures to prevent arbitrary or unsubstantiated score fluctuations going forward. If this issue is not addressed, I will consider taking further legal action and filing additional complaints with the Federal Trade Commission. Please investigate this matter thoroughly. I appreciate your help in holding these agencies accountable for fair and transparent credit reporting practices.
Frequently Asked Questions
What is Complaint #13248360 about?
Complaint #13248360 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 2025-04-29T12:00:00-05:00.
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.