Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13957538
Complaint Overview
Complaint ID: 13957538
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: Texas
ZIP Code: 76548
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information and charge offs reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiples times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information, I requested, even with my other complaint they never sent verification on debt, the original Contract bearing signature & explanation of the amount and how it was calculated. I am writing to file a formal complaint regarding inaccurate information being reported on my credit file by Experian / Equifax / TransUnion. Despite my efforts to resolve this directly with the credit bureau and/or the data furnisher, the issue remains unresolved, and the inaccurate information continues to negatively impact my credit report. Credit Bureau Involved : Experian XXXX Equifax / TransUnion NEGATIVE ACCOUNTS ARE : TransUnion : XXXX XXXXXXXX, Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I submitted a formal dispute with Experian / Equifax / TransUnion and included the appropriate supporting documentation XXXX The bureau responded on XX/XX/year> However, they failed to correct or remove the inaccurate item, despite clear evidence. I resubmitted on XX/XX/year> and The credit bureau responded on XX/XX/year>. I resubmitted a XXXX time on XX/XX/year> and they responded back on XX/XX/year>. This situation is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Their failure to conduct a reasonable investigation and correct the error is unacceptable and damaging to my credit standing. Thank you for your time and assistance. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13957538 about?
Complaint #13957538 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 2025-06-07T12:00:00-05:00.
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.