Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13766406
Complaint Overview
Complaint ID: 13766406
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: Florida
ZIP Code: 33067
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern : This is a formal dispute filed in accordance with the Fair Credit Reporting Act ( FCRA ), CFPB Regulation V, and Senate Bill 5480. These laws require that all consumer information be accurate, verifiable, and non-misleading, and that unverifiable accounts must be deleted upon request. I am demanding the removal of the following accounts, which violate these protections due to inaccuracies, missing legal validation, duplicate reporting, or lack of verifiable ownership documentation : Accounts to Be Deleted Under Senate Bill 5480 XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : No active payment or verified contract. Account is stale and unverifiable. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : Listed as derogatory but not supported with verified ownership or activity history. No documentation present. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : Third-party debt buyer lacking chain of custody and itemized statement. Violates SB 5480s debt validation standards. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : Charged-off with outdated data and no updated verification. Past statute of limitations ; must be removed under FCRA XXXX ( a ). XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : Potential duplicate entry of same debt. Senate Bill 5480 prohibits misleading or duplicative derogatory listings. UNKNOWN CREDITOR ( EQF ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : No creditor name, contact information, or documentation. This entry is unverifiable and violates all federal standards. OTHER OPEN ACCOUNT ( EXP ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : Incomplete reporting and no account ownership documentation. Listed as derogatory without verifiable support. Address Correction Demand Please immediately remove all outdated or incorrect addresses from my credit report. The only valid address that should remain is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX Legal Notice {$1000.00} Per Violation Failure to remove or correct the above accounts within the required timeframe may result in a penalty of {$1000.00} per violation under the FCRA and Senate Bill 5480. This letter constitutes a final notice to comply before further action is taken. Requested Actions Delete all accounts listed above from all credit bureau records Remove outdated addresses from my file Complete a reinvestigation of each account Provide written confirmation and an updated report reflecting these corrections Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13766406 about?
Complaint #13766406 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 2025-05-27T12:00:00-05:00.
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.