Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13498567
Complaint Overview
Complaint ID: 13498567
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: Texas
ZIP Code: 752XX
Date Received: 2025-05-13T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by credit bureaus and furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other consumer protection laws. These violations include the continued reporting of inaccurate and unverifiable information, failure to conduct reasonable reinvestigations, and improper handling of identity theft claims. The specific accounts in question are : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Issue : Late Payments reported without evidence of proper notice, billing error protections, or hardship accommodation. Lack of full documentation and validation. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : Charged-Off ; reported as collectible without Form 1099-C or original signed contract. Status is misclassified and misleading under IRS and FCRA guidelines. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Issue : Collection account ; no chain of assignment or validation of debt provided. Unverified and lacks supporting documentation under FDCPA. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} Issue : Charged-Off ; improperly reported as a balance still owed. No verification documents or accounting provided. Misrepresentation of financial liability. I have previously notified both the credit reporting agencies and the furnishers regarding these inaccuracies, yet no corrective action has been taken. Under 15 U.S.C. 1681i, credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information and delete unverifiable data within 30 days. Furthermore, under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose, and I demand written proof that I authorized the reported inquiries. Additionally, as a victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of fraudulent activity on my file. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information from a victims report within four business days of receiving proper notice. Despite my formal disputes, these bureaus have failed to comply, exacerbating the financial harm I have suffered. This ongoing misconduct is consistent with the CFPBs current lawsuit against the credit bureaus, which highlights widespread FCRA violations and deceptive practices in consumer reporting. Their noncompliance continues to result in financial hardship, including credit denials and employment barriers, and demonstrates a willful disregard for federal consumer protectionlaws.
Frequently Asked Questions
What is Complaint #13498567 about?
Complaint #13498567 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 2025-05-13T12:00:00-05:00.
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.