Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13828480

CFPB complaint 13828480 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against EQUIFAX, INC. on May 31, 2025.

Complaint 13828480 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.

EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 13828480 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.

Complaint 13828480 was filed from California. You can view all complaints from this state at /state/CA.

Dispute information is not available for complaint 13828480.

Complaint 13828480 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 13828480 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including provisions for disputing inaccurate information and unauthorized inquiries. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Improper use of your report".

Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The presence of unrecognized credit inquiries can indicate potential identity theft or unauthorized access to a consumer's credit report, posing a risk to their financial security and creditworthiness.

Credit reporting agencies have a responsibility to investigate disputes regarding credit inquiries and ensure the accuracy of the information reported. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly monitor their credit reports for any unfamiliar inquiries and immediately dispute them with the credit reporting agency to prevent potential fraud.

This complaint was filed in California, a state with strong consumer protection laws that may offer additional recourse. This complaint was filed from California.

Complaints about unrecognized credit inquiries are common across the credit reporting industry, affecting major bureaus like Equifax, Experian, and TransUnion.

Consumers should immediately contact the credit reporting agency (Equifax, in this case) to dispute the inquiries. They should also consider placing a fraud alert or credit freeze on their report and filing a police report if identity theft is suspected.

Equifax is required by the FCRA to investigate the dispute within a reasonable timeframe, typically 30 days. They must review the information and correct any inaccuracies or remove unauthorized inquiries.