Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13603231
Complaint Overview
Complaint ID: 13603231
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: Georgia
ZIP Code: 30349
Date Received: 2025-05-19T12:00:00-05:00
Date Sent to Company: 2025-05-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received an email inquire from XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX that my account with the company XXXX XXXX which backed by XXXX back closed my account. When I called the XXXX XXXX their recording stated that my account was closed due to nonactivity. They closed the account because I hadn't used the account and purchased anything since made my last payment back on XX/XX/XXXX. XXXXXXXX XXXX closed the account on XX/XX/XXXX, and did not send me later or anything in the mail. On XX/XX/XXXX, I spoke with a representative from XXXXXXXX XXXX she tried to give several reasons to why it was closed. The first excuses was because my mortgage payment was not being reported. I responded that my house was paid off. Her second excuses were that credit agency did another credit check on me and that I had negative inquire on my credit report. My response was who gave you authorization to do a credit check without my permission. She could say for call the credit bureau and that they closed the account which I know is untrue.
Frequently Asked Questions
What is Complaint #13603231 about?
Complaint #13603231 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 2025-05-19T12:00:00-05:00.
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.