Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13522047
Complaint Overview
Complaint ID: 13522047
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 Jersey
ZIP Code: 07065
Date Received: 2025-05-14T12:00:00-05:00
Date Sent to Company: 2025-05-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to the CFPB for the immediate deletion of the following unauthorized reported hard inquiries from my Equifax credit report, which I did not allow or authorize to be included in my credit file : XXXX XXXX. XXXX XXXX. These inquiries were reported without my knowledge or written consent, which violates 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), requiring a valid permissible purpose for any access to my consumer report. Equifax has no authorization or written instruction from me, and yet these inquiries were reported. This also violates 15 U.S.C. 1681e ( b ), which mandates Equifax to follow reasonable procedures to assure maximum possible accuracy. If Equifax will not remove the inquiries, and their continued reporting without verification constitutes willful and/or negligent noncompliance, making them liable under 15 U.S.C. 1681n and 1681o, I can seek {$1000.00} per damages. I am demanding that Equifax delete these inquiries immediately and provide written confirmation of the removal.
Frequently Asked Questions
What is Complaint #13522047 about?
Complaint #13522047 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 2025-05-14T12:00:00-05:00.
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.