Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13352502
Complaint Overview
Complaint ID: 13352502
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 York
ZIP Code: 11377
Date Received: 2025-05-05T12:00:00-05:00
Date Sent to Company: 2025-05-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
These reporting violations have not only substantially damaged my creditworthiness, financial standing, and reputationconstituting precisely the type of concrete harm recognized in Ramirez v. TransUnion LLC, 141 S.Ct. 2190 ( 2021 ) but also highlight systemic failures in reporting practices that violate the furnisher investigation requirements established in Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ). Pursuant to my rights under 15 U.S.C. 1681i ( a ) ( 1 ) and the investigative standards articulated in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), It is MY Demand to get an immediate, thorough investigation, proper verification according to CDIA standards, and complete correction or deletion of all disputed items within the statutorily mandated timeframe to remedy these violations and ensure compliance with federal law and industry standards. Under consumer protection rights established in Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), I contest all adverse entries breaching statutory mandates of 15 U.S.C. 1681c-2. Conduct a thorough examination of each disputed item and promptly delete all negative information associated with my file : XXXX XXXX XXXX XXXX XXXX XXXX Delete this disputed information from all files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this item now, as mandated by regulations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent claimerase entirely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove this entry in line with federal requirements. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purge this unsubstantiated data from all records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Expunge this improper information without delay. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Expunge this defamatory information without delay. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove this entry to maintain compliance. XXXX XXXX XXXX XXXX XXXX XXXX Obligated to delete. Remove NOW! XXXX XXXXXX/XX/XXXX Remove this defamatory mark immediately. XXXX XXXXXX/XX/XXXX Remove this disputed record without delay.
Frequently Asked Questions
What is Complaint #13352502 about?
Complaint #13352502 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 2025-05-05T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.