Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13766798
Complaint Overview
Complaint ID: 13766798
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: 30046
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I've submitted multiple certified letters to Equifax containing all necessary documentation related to disputed information on my credit report. This included identifying information, a written statement of dispute, copies of relevant documents, and a formal request for investigation under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. The letters were delivered and received, yet Equifax failed to conduct a reasonable reinvestigation or provide a timely response. In addition, I have submitted a previous complaint through the CFPB regarding the same matter. Equifax has repeatedly responded by requesting the same information I have already submitted both through CFPB channels and via certified mail. This cycle of redundancy appears to be a deliberate evasion of their legal obligation to conduct a reinvestigation within the required time frame. These actions may constitute the following violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information within 30 days. FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to promptly notify the furnisher of the dispute and provide relevant information. FCRA XXXX ( a ) ( XXXX ) : Failure to notify me of the results of the reinvestigation and provide a copy of the revised credit report. FCRA XXXX ( a ) ( XXXX ) : Failure to provide a description of the procedure used to determine the accuracy and completeness of the information. FCRA XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report. XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Engaging in unfair or deceptive practices in connection with consumer financial products or services. Equifaxs actions demonstrate not only a pattern of neglect but a potential willful noncompliance with federal law, which may expose them to statutory damages under FCRA XXXX if violations are found to be willful.
Frequently Asked Questions
What is Complaint #13766798 about?
Complaint #13766798 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 explanation". 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.