Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14090922
Complaint Overview
Complaint ID: 14090922
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: 30039
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Summary - Dispute of Inaccurate Accounts and Identity Compromise Summary : I am requesting an immediate review and assistance from the Consumer Financial Protection Bureau regarding multiple inaccurate and unverifiable accounts currently appearing on my credit reports with Equifax, Experian, and TransUnion. These accounts are causing significant harm to my credit score and financial well-being. Despite initiating disputes with the credit bureaus, the items have not been removed. Given the widespread nature of data breaches ( XXXX Equifax, XXXXXXXX XXXX XXXX and the presence of irregular reporting, I also believe these items may be connected to identity compromise. Accounts in question include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues Identified : - Inaccurate late payments and charge-offs - No documentation provided despite my dispute request - Reporting errors on accounts paid in full or closed - Potential fraudulent or unauthorized data reporting Requested Relief : - Immediate deletion of the disputed accounts due to lack of verification - Full reinvestigation of all negative entries related to the above creditors - Confirmation that the bureaus have followed all requirements under : - FCRA 1681e ( b ) - Accuracy of information - FCRA 1681i - Timely reinvestigation - FCRA 1681c-2 - Blocking of information resulting from identity theft Attached : - Formal dispute letter submitted to the credit bureaus - Deletion request citing data breach and identity theft protections- Supporting payment and credit report history I respectfully request the CFPB to ensure compliance and expedite correction or removal of these entries to restore my credit profile as soon as possible. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14090922 about?
Complaint #14090922 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 2025-06-15T12:00:00-05:00.
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.