Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13828503
Unrecognized Credit Inquiries Lead to Complaint Against Equifax
Complaint Overview
Complaint ID: 13828503
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: Illinois
ZIP Code: 60608
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
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.
Consumer Sentiment: neutral
Topics: Credit reporting, Credit inquiries, Identity theft
AI Analysis
CFPB complaint 13828503 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint regarding unrecognized credit inquiries on their report from Equifax, which was closed with non-monetary relief. The complaint was received on May 31, 2025 from Illinois. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly monitor their credit reports for any unfamiliar inquiries and dispute them immediately with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccuracies, including unauthorized inquiries.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes promptly and accurately, and to correct any errors found on a consumer's report.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Illinois, consumers have rights under state and federal laws to protect their credit information and dispute inaccuracies.
Industry Comparison
This complaint is typical of issues consumers face with credit reporting agencies, highlighting the need for vigilance in monitoring credit reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828503 about?
CFPB complaint 13828503 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.
Which company is complaint 13828503 filed against?
Complaint 13828503 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.
What was the company's response to complaint 13828503?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13828503 filed?
Complaint 13828503 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.
What state was complaint 13828503 filed from?
Complaint 13828503 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 13828503?
Dispute information is not available for complaint 13828503.
What product category is complaint 13828503 about?
Complaint 13828503 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13828503 submitted?
Complaint 13828503 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13828503?
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccuracies, including unauthorized inquiries. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Improper use of your report".
How likely is complaint 13828503 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13828503?
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.
What regulatory actions apply to complaint 13828503?
Credit reporting agencies have a responsibility to investigate disputes promptly and accurately, and to correct any errors found on a consumer's report. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13828503?
Consumers should regularly monitor their credit reports for any unfamiliar inquiries and dispute them immediately with the credit reporting agency.
Are there state-specific protections for complaint 13828503?
In Illinois, consumers have rights under state and federal laws to protect their credit information and dispute inaccuracies. This complaint was filed from Illinois.
How does complaint 13828503 compare to industry norms?
This complaint is typical of issues consumers face with credit reporting agencies, highlighting the need for vigilance in monitoring credit reports.
What steps should a consumer take if they discover unrecognized credit inquiries on their report?
Consumers should immediately contact the credit reporting agency (Equifax, in this case) to dispute the inquiries and provide any supporting documentation. They should also consider placing a fraud alert on their credit file.
What does 'closed with non-monetary relief' typically mean in a credit reporting complaint?
This usually means the issue was resolved without the company paying the consumer money, but rather by taking corrective actions like removing the disputed inquiries or updating the credit report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.