Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13902764
Complaint Overview
Complaint ID: 13902764
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: California
ZIP Code: 90046
Date Received: 2025-06-04T12:00:00-05:00
Date Sent to Company: 2025-06-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXI am writing to formally dispute several entries currently listed on my credit report, which I believe to be inaccurate, incomplete, unverifiable, untimely, not in compliance with the Fair Credit Reporting Act (FCRA), the Metro 2 Format, and possibly not associated with any legal obligation or responsibility on my part.XXXXUpon reviewing my credit report, I have identified multiple entries and inquiries that appear to be reported in error or without adequate documentation. I respectfully request that you immediately investigate these disputed items and remove any that cannot be fully validated in accordance with applicable laws and standards.XXXXInquiries Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were made without my authorization, and I request that you investigate their legitimacy and remove them if they cannot be substantiated with documented proof of my consent.XXXXCollections Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that you provide written validation for each item listed above, including a notarized affidavit from a person with direct knowledge of the debt. The affidavit should verify that the debt was lawfully incurred, not disputed due to faulty products or services, not previously charged off, and not claimed as a loss or deduction by the creditor or reported to insurance. If such validation cannot be provided, the item must be removed from my report immediatelyXXXXPersonal Information Discrepancies:\nIncorrect NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease update or remove this inaccurate personal information from my file, as it does not reflect my current or correct identity and may be contributing to the misreporting of other entries.XXXX remind you that under the Fair Credit Reporting Act, you are required to ensure that all information reported is accurate, complete, and verifiable. Any failure to do so may be seen as negligent or willfully noncompliant behavior, and I reserve my right to pursue legal action if these discrepancies are not corrected within XXXX days of your receipt of this notice.XXXXAdditionally, I request a full summary of the actions taken as a result of this dispute and demand that you cease all further reporting and collection activity on any item that cannot be verified in full compliance with FCRA, CDIA guidelines, and the Metro 2 reporting standardsXXXXThis is a formal notice of consumer dispute and a demand for compliance. Please treat it as such and respond accordingly.'
Frequently Asked Questions
What is Complaint #13902764 about?
Complaint #13902764 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 2025-06-04T12:00:00-05:00.
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.